SmartCare or TelFirst — Region 1, Bern
Region 1, Bern: with Atupri, SmartCare costs CHF 571.60 a month in 2026 and TelFirst CHF 558.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
TelFirst is the cheaper of the two here: CHF 154.80 saved per year against SmartCare, 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 571.60 | CHF 558.70 | CHF 154.80 |
| 500 | CHF 560.00 | CHF 547.10 | CHF 154.80 |
| 1'000 | CHF 530.80 | CHF 517.90 | CHF 154.80 |
| 1'500 | CHF 501.60 | CHF 488.70 | CHF 154.80 |
| 2'000 | CHF 472.50 | CHF 459.60 | CHF 154.80 |
| 2'500 | CHF 443.30 | CHF 430.40 | CHF 154.80 |
The comparison, region by region
- SmartCare or TelFirst?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.