HMO or MyDoc — Appenzell Innerrhoden
Appenzell Innerrhoden: with CONCORDIA, HMO costs CHF 378.00 a month in 2026 and MyDoc CHF 386.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
HMO is the cheaper of the two here: CHF 103.20 saved per year against MyDoc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
HMO is a "Group practice (HMO)" model. MyDoc is a "Family doctor" model.
The price at every deductible
| Deductible | HMO | MyDoc | Gap per year |
|---|---|---|---|
| 300 | CHF 378.00 | CHF 386.60 | CHF 103.20 |
| 500 | CHF 366.40 | CHF 375.00 | CHF 103.20 |
| 1'000 | CHF 337.20 | CHF 345.80 | CHF 103.20 |
| 1'500 | CHF 308.00 | CHF 316.60 | CHF 103.20 |
| 2'000 | CHF 278.90 | CHF 287.50 | CHF 103.20 |
| 2'500 | CHF 249.70 | CHF 258.30 | CHF 103.20 |
The comparison, region by region
- HMO or MyDoc?
- Aargau
- 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 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.