HMO or SmartCare — Region 1, Ticino
Region 1, Ticino: with Atupri, HMO costs CHF 640.90 a month in 2026 and SmartCare CHF 654.80, 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 166.80 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 640.90 | CHF 654.80 | CHF 166.80 |
| 500 | CHF 629.30 | CHF 643.20 | CHF 166.80 |
| 1'000 | CHF 600.10 | CHF 614.00 | CHF 166.80 |
| 1'500 | CHF 570.90 | CHF 584.80 | CHF 166.80 |
| 2'000 | CHF 541.80 | CHF 555.70 | CHF 166.80 |
| 2'500 | CHF 512.60 | CHF 526.50 | CHF 166.80 |
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 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- 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.