HMO or TelFirst — Neuchâtel
Neuchâtel: with Atupri, HMO costs CHF 583.80 a month in 2026 and TelFirst CHF 592.90, 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 109.20 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 583.80 | CHF 592.90 | CHF 109.20 |
| 500 | CHF 572.20 | CHF 581.30 | CHF 109.20 |
| 1'000 | CHF 543.00 | CHF 552.10 | CHF 109.20 |
| 1'500 | CHF 513.80 | CHF 522.90 | CHF 109.20 |
| 2'000 | CHF 484.70 | CHF 493.80 | CHF 109.20 |
| 2'500 | CHF 455.50 | CHF 464.60 | CHF 109.20 |
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
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.