FlexCare or SmartCare — Region 1, Bern
Region 1, Bern: with Atupri, FlexCare costs CHF 615.70 a month in 2026 and SmartCare CHF 571.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SmartCare is the cheaper of the two here: CHF 529.20 saved per year against FlexCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FlexCare and SmartCare are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | FlexCare | SmartCare | Gap per year |
|---|---|---|---|
| 300 | CHF 615.70 | CHF 571.60 | CHF 529.20 |
| 500 | CHF 604.10 | CHF 560.00 | CHF 529.20 |
| 1'000 | CHF 574.90 | CHF 530.80 | CHF 529.20 |
| 1'500 | CHF 545.70 | CHF 501.60 | CHF 529.20 |
| 2'000 | CHF 516.60 | CHF 472.50 | CHF 529.20 |
| 2'500 | CHF 487.40 | CHF 443.30 | CHF 529.20 |
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.