FlexCare or SmartCare — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, FlexCare costs CHF 503.30 a month in 2026 and SmartCare CHF 489.30, 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 168.00 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 503.30 | CHF 489.30 | CHF 168.00 |
| 500 | CHF 491.70 | CHF 477.70 | CHF 168.00 |
| 1'000 | CHF 462.50 | CHF 448.50 | CHF 168.00 |
| 1'500 | CHF 433.30 | CHF 419.30 | CHF 168.00 |
| 2'000 | CHF 404.20 | CHF 390.20 | CHF 168.00 |
| 2'500 | CHF 375.00 | CHF 361.00 | CHF 168.00 |
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.