HMO or TelFirst — Region 2, Fribourg
Region 2, Fribourg: with Atupri, HMO costs CHF 490.30 a month in 2026 and TelFirst CHF 501.20, 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 130.80 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 490.30 | CHF 501.20 | CHF 130.80 |
| 500 | CHF 478.70 | CHF 489.60 | CHF 130.80 |
| 1'000 | CHF 449.50 | CHF 460.40 | CHF 130.80 |
| 1'500 | CHF 420.30 | CHF 431.20 | CHF 130.80 |
| 2'000 | CHF 391.20 | CHF 402.10 | CHF 130.80 |
| 2'500 | CHF 362.00 | CHF 372.90 | CHF 130.80 |
The comparison, region by region
- HMO or TelFirst?
- 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
- 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.