HMO or TelFirst — Region 1, Vaud
Region 1, Vaud: with Atupri, HMO costs CHF 570.10 a month in 2026 and TelFirst CHF 589.60, 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 234.00 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 570.10 | CHF 589.60 | CHF 234.00 |
| 500 | CHF 558.50 | CHF 578.00 | CHF 234.00 |
| 1'000 | CHF 529.30 | CHF 548.80 | CHF 234.00 |
| 1'500 | CHF 500.10 | CHF 519.60 | CHF 234.00 |
| 2'000 | CHF 471.00 | CHF 490.50 | CHF 234.00 |
| 2'500 | CHF 441.80 | CHF 461.30 | CHF 234.00 |
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
- 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 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.