HMO or SmartCare — Region 3, St. Gallen
Region 3, St. Gallen: with Atupri, HMO costs CHF 458.50 a month in 2026 and SmartCare CHF 443.10, 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 184.80 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 458.50 | CHF 443.10 | CHF 184.80 |
| 500 | CHF 446.90 | CHF 431.50 | CHF 184.80 |
| 1'000 | CHF 417.70 | CHF 402.30 | CHF 184.80 |
| 1'500 | CHF 388.50 | CHF 373.10 | CHF 184.80 |
| 2'000 | CHF 359.40 | CHF 344.00 | CHF 184.80 |
| 2'500 | CHF 330.20 | CHF 314.80 | CHF 184.80 |
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
- 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.