HMO or SmartCare — Region 2, Lucerne
Region 2, Lucerne: with Atupri, HMO costs CHF 458.20 a month in 2026 and SmartCare CHF 455.70, 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 30.00 saved per year against HMO, 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 458.20 | CHF 455.70 | CHF 30.00 |
| 500 | CHF 446.60 | CHF 444.10 | CHF 30.00 |
| 1'000 | CHF 417.40 | CHF 414.90 | CHF 30.00 |
| 1'500 | CHF 388.20 | CHF 385.70 | CHF 30.00 |
| 2'000 | CHF 359.10 | CHF 356.60 | CHF 30.00 |
| 2'500 | CHF 329.90 | CHF 327.40 | CHF 30.00 |
The comparison, region by region
- HMO or SmartCare?
- Aargau
- 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 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.