HMO or SmartCare — Region 1, Schaffhausen
Region 1, Schaffhausen: with Atupri, HMO costs CHF 516.10 a month in 2026 and SmartCare CHF 522.00, 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 70.80 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 516.10 | CHF 522.00 | CHF 70.80 |
| 500 | CHF 504.50 | CHF 510.40 | CHF 70.80 |
| 1'000 | CHF 475.30 | CHF 481.20 | CHF 70.80 |
| 1'500 | CHF 446.10 | CHF 452.00 | CHF 70.80 |
| 2'000 | CHF 417.00 | CHF 422.90 | CHF 70.80 |
| 2'500 | CHF 387.80 | CHF 393.70 | CHF 70.80 |
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
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.