HMO or SmartCare — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, HMO costs CHF 500.50 a month in 2026 and SmartCare CHF 489.30, 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 134.40 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 500.50 | CHF 489.30 | CHF 134.40 |
| 500 | CHF 488.90 | CHF 477.70 | CHF 134.40 |
| 1'000 | CHF 459.70 | CHF 448.50 | CHF 134.40 |
| 1'500 | CHF 430.50 | CHF 419.30 | CHF 134.40 |
| 2'000 | CHF 401.40 | CHF 390.20 | CHF 134.40 |
| 2'500 | CHF 372.20 | CHF 361.00 | CHF 134.40 |
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 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.