HMO or TelFirst — Appenzell Innerrhoden
Appenzell Innerrhoden: with Atupri, HMO costs CHF 375.30 a month in 2026 and TelFirst CHF 383.70, 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 100.80 saved per year against TelFirst, 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. TelFirst is a "Telemedicine and others" model.
The price at every deductible
| Deductible | HMO | TelFirst | Gap per year |
|---|---|---|---|
| 300 | CHF 375.30 | CHF 383.70 | CHF 100.80 |
| 500 | CHF 363.70 | CHF 372.10 | CHF 100.80 |
| 1'000 | CHF 334.50 | CHF 342.90 | CHF 100.80 |
| 1'500 | CHF 305.30 | CHF 313.70 | CHF 100.80 |
| 2'000 | CHF 276.20 | CHF 284.60 | CHF 100.80 |
| 2'500 | CHF 247.00 | CHF 255.40 | CHF 100.80 |
The comparison, region by region
- HMO or TelFirst?
- Aargau
- 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
- 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.