HMO or TelFirst — Region 3, Bern
Region 3, Bern: with Atupri, HMO costs CHF 513.60 a month in 2026 and TelFirst CHF 536.90, 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 279.60 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 513.60 | CHF 536.90 | CHF 279.60 |
| 500 | CHF 502.00 | CHF 525.30 | CHF 279.60 |
| 1'000 | CHF 472.80 | CHF 496.10 | CHF 279.60 |
| 1'500 | CHF 443.60 | CHF 466.90 | CHF 279.60 |
| 2'000 | CHF 414.50 | CHF 437.80 | CHF 279.60 |
| 2'500 | CHF 385.30 | CHF 408.60 | CHF 279.60 |
The comparison, region by region
- HMO or TelFirst?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.