HMO or MyDoc — Region 2, St. Gallen
Region 2, St. Gallen: with CONCORDIA, HMO costs CHF 456.00 a month in 2026 and MyDoc CHF 474.70, 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 224.40 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 456.00 | CHF 474.70 | CHF 224.40 |
| 500 | CHF 444.40 | CHF 463.10 | CHF 224.40 |
| 1'000 | CHF 415.20 | CHF 433.90 | CHF 224.40 |
| 1'500 | CHF 386.00 | CHF 404.70 | CHF 224.40 |
| 2'000 | CHF 356.90 | CHF 375.60 | CHF 224.40 |
| 2'500 | CHF 327.70 | CHF 346.40 | CHF 224.40 |
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 1
- 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.