SmartCare or TelFirst — Region 1, St. Gallen
Region 1, St. Gallen: with Atupri, SmartCare costs CHF 489.30 a month in 2026 and TelFirst CHF 513.30, 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 288.00 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
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 489.30 | CHF 513.30 | CHF 288.00 |
| 500 | CHF 477.70 | CHF 501.70 | CHF 288.00 |
| 1'000 | CHF 448.50 | CHF 472.50 | CHF 288.00 |
| 1'500 | CHF 419.30 | CHF 443.30 | CHF 288.00 |
| 2'000 | CHF 390.20 | CHF 414.20 | CHF 288.00 |
| 2'500 | CHF 361.00 | CHF 385.00 | CHF 288.00 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.