SmartCare or TelFirst — Region 2, St. Gallen
Region 2, St. Gallen: with Atupri, SmartCare costs CHF 445.20 a month in 2026 and TelFirst CHF 470.20, 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 300.00 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 445.20 | CHF 470.20 | CHF 300.00 |
| 500 | CHF 433.60 | CHF 458.60 | CHF 300.00 |
| 1'000 | CHF 404.40 | CHF 429.40 | CHF 300.00 |
| 1'500 | CHF 375.20 | CHF 400.20 | CHF 300.00 |
| 2'000 | CHF 346.10 | CHF 371.10 | CHF 300.00 |
| 2'500 | CHF 316.90 | CHF 341.90 | CHF 300.00 |
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 1
- 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.