SmartCare or TelFirst — Region 1, Lucerne
Region 1, Lucerne: with Atupri, SmartCare costs CHF 467.30 a month in 2026 and TelFirst CHF 483.10, 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 189.60 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 467.30 | CHF 483.10 | CHF 189.60 |
| 500 | CHF 455.70 | CHF 471.50 | CHF 189.60 |
| 1'000 | CHF 426.50 | CHF 442.30 | CHF 189.60 |
| 1'500 | CHF 397.30 | CHF 413.10 | CHF 189.60 |
| 2'000 | CHF 368.20 | CHF 384.00 | CHF 189.60 |
| 2'500 | CHF 339.00 | CHF 354.80 | CHF 189.60 |
The comparison, region by region
- SmartCare 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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.