HMO or MyDoc — Region 1, Vaud
Region 1, Vaud: with CONCORDIA, HMO costs CHF 596.70 a month in 2026 and MyDoc CHF 610.50, 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 165.60 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 596.70 | CHF 610.50 | CHF 165.60 |
| 500 | CHF 585.10 | CHF 598.90 | CHF 165.60 |
| 1'000 | CHF 555.90 | CHF 569.70 | CHF 165.60 |
| 1'500 | CHF 526.70 | CHF 540.50 | CHF 165.60 |
| 2'000 | CHF 497.60 | CHF 511.40 | CHF 165.60 |
| 2'500 | CHF 468.40 | CHF 482.20 | CHF 165.60 |
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 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- 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.