HMO or TelFirst — Region 1, Bern
Region 1, Bern: with Atupri, HMO costs CHF 548.90 a month in 2026 and TelFirst CHF 558.70, 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 117.60 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 548.90 | CHF 558.70 | CHF 117.60 |
| 500 | CHF 537.30 | CHF 547.10 | CHF 117.60 |
| 1'000 | CHF 508.10 | CHF 517.90 | CHF 117.60 |
| 1'500 | CHF 478.90 | CHF 488.70 | CHF 117.60 |
| 2'000 | CHF 449.80 | CHF 459.60 | CHF 117.60 |
| 2'500 | CHF 420.60 | CHF 430.40 | CHF 117.60 |
The comparison, region by region
- HMO or TelFirst?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.