FlexCare or SmartCare — Region 1, Zurich

Region 1, Zurich: with Atupri, FlexCare costs CHF 595.60 a month in 2026 and SmartCare CHF 543.90, 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 620.40 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 595.60	CHF 543.90	CHF 620.40
500	CHF 584.00	CHF 532.30	CHF 620.40
1'000	CHF 554.80	CHF 503.10	CHF 620.40
1'500	CHF 525.60	CHF 473.90	CHF 620.40
2'000	CHF 496.50	CHF 444.80	CHF 620.40
2'500	CHF 467.30	CHF 415.60	CHF 620.40

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.