HMO or SmartCare — Region 3, Lucerne
Region 3, Lucerne: with Atupri, HMO costs CHF 440.20 a month in 2026 and SmartCare CHF 440.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here HMO and SmartCare cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 440.20 | CHF 440.20 | — |
| 500 | CHF 428.60 | CHF 428.60 | — |
| 1'000 | CHF 399.40 | CHF 399.40 | — |
| 1'500 | CHF 370.20 | CHF 370.20 | — |
| 2'000 | CHF 341.10 | CHF 341.10 | — |
| 2'500 | CHF 311.90 | CHF 311.90 | — |
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 2
- 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.