HMO or SmartCare — Uri
Uri: with Atupri, HMO costs CHF 401.30 a month in 2026 and SmartCare CHF 401.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here HMO and SmartCare cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 401.30 | CHF 401.30 | — |
| 500 | CHF 389.70 | CHF 389.70 | — |
| 1'000 | CHF 360.50 | CHF 360.50 | — |
| 1'500 | CHF 331.30 | CHF 331.30 | — |
| 2'000 | CHF 302.20 | CHF 302.20 | — |
| 2'500 | CHF 273.00 | CHF 273.00 | — |
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 1
- Ticino — Region 2
- 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.