Hausarztsystem or Telmed — Aargau
Aargau: with Birchmeier, Hausarztsystem costs CHF 504.50 a month in 2026 and Telmed CHF 521.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Hausarztsystem is the cheaper of the two here: CHF 204.00 saved per year against Telmed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Hausarztsystem is a "Family doctor" model. Telmed is a "Telemedicine and others" model.
- Hausarztsystem
Family doctor
You pick a family doctor and always go to them first.
- Telmed
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Hausarztsystem | Telmed | Gap per year |
|---|---|---|---|
| 300 | CHF 504.50 | CHF 521.50 | CHF 204.00 |
| 500 | CHF 494.50 | CHF 511.50 | CHF 204.00 |
| 1'000 | CHF 468.90 | CHF 485.90 | CHF 204.00 |
| 1'500 | CHF 443.70 | CHF 460.70 | CHF 204.00 |
| 2'000 | CHF 418.10 | CHF 435.10 | CHF 204.00 |
| 2'500 | CHF 379.50 | CHF 396.50 | CHF 204.00 |
The comparison, region by region
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.