SmartCare or TelFirst — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Atupri, SmartCare costs CHF 573.90 a month in 2026 and TelFirst CHF 593.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SmartCare is the cheaper of the two here: CHF 235.20 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
SmartCare and TelFirst are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | SmartCare | TelFirst | Gap per year |
|---|---|---|---|
| 300 | CHF 573.90 | CHF 593.50 | CHF 235.20 |
| 500 | CHF 562.30 | CHF 581.90 | CHF 235.20 |
| 1'000 | CHF 533.10 | CHF 552.70 | CHF 235.20 |
| 1'500 | CHF 503.90 | CHF 523.50 | CHF 235.20 |
| 2'000 | CHF 474.80 | CHF 494.40 | CHF 235.20 |
| 2'500 | CHF 445.60 | CHF 465.20 | CHF 235.20 |
The comparison, region by region
- SmartCare or TelFirst?
- Aargau
- Appenzell Innerrhoden
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.