FlexCare or SmartCare — Region 1, Lucerne
Region 1, Lucerne: with Atupri, FlexCare costs CHF 477.80 a month in 2026 and SmartCare CHF 467.30, 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 126.00 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 477.80 | CHF 467.30 | CHF 126.00 |
| 500 | CHF 466.20 | CHF 455.70 | CHF 126.00 |
| 1'000 | CHF 437.00 | CHF 426.50 | CHF 126.00 |
| 1'500 | CHF 407.80 | CHF 397.30 | CHF 126.00 |
| 2'000 | CHF 378.70 | CHF 368.20 | CHF 126.00 |
| 2'500 | CHF 349.50 | CHF 339.00 | CHF 126.00 |
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.