The HMO model
You commit to going first to a contracted group practice. It is often the cheapest model — and also the one whose constraint is most concrete: an address.
What this model costs
CHF 335.70
Lowest premium in Switzerland
CHF 520.39
Average premium
14
Insurers offering it
12
Distinct products
That is CHF 598 a year less than free choice of doctor, at each canton's best price.
Adult, CHF 300 deductible, accident cover included.
Every consultation starts at the designated HMO centre, which coordinates the whole pathway and refers to specialists itself. Life-threatening emergencies are the exception.
When it holds up
- You live in a city or near suburb, a few minutes from a contracted centre.
- The idea of a practice bringing GPs, nurses and sometimes physiotherapy under one roof suits you.
- You want the floor price, and the centre’s address is no obstacle.
What you accept in return
- Outside urban areas there simply is no centre within a reasonable distance — check the address before choosing.
- You do not pick your doctor within the centre, and the practitioner seeing you may change from visit to visit.
Canton by canton, against free choice
| Canton | This model | Free choice | Monthly gap | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 335.70 | CHF 385.80 | CHF 50.10 | CONCORDIA |
| Appenzell Innerrhoden | CHF 360.40 | CHF 411.00 | CHF 50.60 | Vivao Sympany |
| Uri | CHF 401.00 | CHF 437.90 | CHF 36.90 | Vivao Sympany |
| Obwalden | CHF 409.50 | CHF 445.10 | CHF 35.60 | Agrisano |
| Nidwalden | CHF 410.70 | CHF 448.10 | CHF 37.40 | Vivao Sympany |
| Grisons | CHF 425.70 | CHF 426.00 | CHF 0.30 | ÖKK |
| Schwyz | CHF 428.10 | CHF 439.30 | CHF 11.20 | Agrisano |
| St. Gallen | CHF 429.60 | CHF 467.00 | CHF 37.40 | Agrisano |
| Lucerne | CHF 431.20 | CHF 452.80 | CHF 21.60 | Vivao Sympany |
| Valais | CHF 434.60 | CHF 470.90 | CHF 36.30 | Agrisano |
| Appenzell Ausserrhoden | CHF 436.80 | CHF 479.40 | CHF 42.60 | ÖKK |
| Thurgau | CHF 448.00 | CHF 499.60 | CHF 51.60 | Atupri |
| Schaffhausen | CHF 448.10 | CHF 504.40 | CHF 56.30 | ÖKK |
| Glarus | CHF 452.40 | CHF 493.00 | CHF 40.60 | CONCORDIA |
| Zurich | CHF 453.10 | CHF 488.50 | CHF 35.40 | ÖKK |
| Fribourg | CHF 465.20 | CHF 523.30 | CHF 58.10 | Visana |
| Bern | CHF 465.50 | CHF 520.40 | CHF 54.90 | Visana |
| Aargau | CHF 474.90 | CHF 519.25 | CHF 44.35 | Galenos |
| Solothurn | CHF 493.00 | CHF 565.40 | CHF 72.40 | Visana |
| Basel-Landschaft | CHF 520.70 | CHF 575.30 | CHF 54.60 | ÖKK |
| Vaud | CHF 539.50 | CHF 601.70 | CHF 62.20 | Atupri |
| Jura | CHF 552.30 | CHF 628.20 | CHF 75.90 | Visana |
| Neuchâtel | CHF 554.20 | CHF 655.90 | CHF 101.70 | Visana |
| Ticino | CHF 560.60 | CHF 626.70 | CHF 66.10 | sana24 |
| Basel-Stadt | CHF 589.00 | CHF 673.70 | CHF 84.70 | Vivao Sympany |
| Geneva | CHF 609.70 | CHF 686.70 | CHF 77.00 | Atupri |
The insurers offering it
The names you will find it under
Insurers do not sell «an HMO» or «a Telmed»: they sell a brand. Here are the most common names — if yours is listed, you know which category you are in.
- Managed Care
- OptiMed
- HMO
- Managed Care ohne Capitation
- AGRIeco
- MultiAccess
- FAVORIT SANTE
- casamed hmo
- Gesundheitszentrum
- KPTwin.plus
- VIVA – Gesundheitsplan
- FAVORIT BESTCARE
The other models
2026 · OFSP / priminfo.admin.ch