HMO or SmartCare — Nidwalden
Nidwalden: with Atupri, HMO costs CHF 414.40 a month in 2026 and SmartCare CHF 416.70, 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 27.60 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 414.40 | CHF 416.70 | CHF 27.60 |
| 500 | CHF 402.80 | CHF 405.10 | CHF 27.60 |
| 1'000 | CHF 373.60 | CHF 375.90 | CHF 27.60 |
| 1'500 | CHF 344.40 | CHF 346.70 | CHF 27.60 |
| 2'000 | CHF 315.30 | CHF 317.60 | CHF 27.60 |
| 2'500 | CHF 286.10 | CHF 288.40 | CHF 27.60 |
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
- Lucerne — Region 3
- Neuchâtel
- 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.