HMO or MyDoc — Region 1, St. Gallen
Region 1, St. Gallen: with CONCORDIA, HMO costs CHF 486.70 a month in 2026 and MyDoc CHF 506.60, 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 238.80 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 486.70 | CHF 506.60 | CHF 238.80 |
| 500 | CHF 475.10 | CHF 495.00 | CHF 238.80 |
| 1'000 | CHF 445.90 | CHF 465.80 | CHF 238.80 |
| 1'500 | CHF 416.70 | CHF 436.60 | CHF 238.80 |
| 2'000 | CHF 387.60 | CHF 407.50 | CHF 238.80 |
| 2'500 | CHF 358.40 | CHF 378.30 | CHF 238.80 |
The comparison, region by region
- HMO or MyDoc?
- 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 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.