FlexCare or SmartCare — Zug

Zug: with Atupri, FlexCare costs CHF 384.90 a month in 2026 and SmartCare CHF 376.20, 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 104.40 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.

FlexCare
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
SmartCare
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

Deductible	FlexCare	SmartCare	Gap per year
300	CHF 384.90	CHF 376.20	CHF 104.40
500	CHF 373.30	CHF 364.60	CHF 104.40
1'000	CHF 344.10	CHF 335.40	CHF 104.40
1'500	CHF 314.90	CHF 306.20	CHF 104.40
2'000	CHF 285.80	CHF 277.10	CHF 104.40
2'500	CHF 256.60	CHF 247.90	CHF 104.40

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.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.