HMO or SmartCare — Aargau
Aargau: with Atupri, HMO costs CHF 477.70 a month in 2026 and SmartCare CHF 494.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
HMO is the cheaper of the two here: CHF 204.00 saved per year against SmartCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
HMO is a "Group practice (HMO)" model. SmartCare is a "Telemedicine and others" model.
The price at every deductible
| Deductible | HMO | SmartCare | Gap per year |
|---|---|---|---|
| 300 | CHF 477.70 | CHF 494.70 | CHF 204.00 |
| 500 | CHF 466.10 | CHF 483.10 | CHF 204.00 |
| 1'000 | CHF 436.90 | CHF 453.90 | CHF 204.00 |
| 1'500 | CHF 407.70 | CHF 424.70 | CHF 204.00 |
| 2'000 | CHF 378.60 | CHF 395.60 | CHF 204.00 |
| 2'500 | CHF 349.40 | CHF 366.40 | CHF 204.00 |
The comparison, region by region
- HMO or SmartCare?
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.