HMO or MyDoc — Region 2, Bern
Region 2, Bern: with CONCORDIA, HMO costs CHF 529.60 a month in 2026 and MyDoc CHF 564.10, 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 414.00 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 529.60 | CHF 564.10 | CHF 414.00 |
| 500 | CHF 518.00 | CHF 552.50 | CHF 414.00 |
| 1'000 | CHF 488.80 | CHF 523.30 | CHF 414.00 |
| 1'500 | CHF 459.60 | CHF 494.10 | CHF 414.00 |
| 2'000 | CHF 430.50 | CHF 465.00 | CHF 414.00 |
| 2'500 | CHF 401.30 | CHF 435.80 | CHF 414.00 |
The comparison, region by region
- HMO or MyDoc?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.