HMO or smartDoc — Region 1, Grisons
Region 1, Grisons: with CONCORDIA, HMO costs CHF 461.70 a month in 2026 and smartDoc CHF 461.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here HMO and smartDoc cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
HMO is a "Group practice (HMO)" model. smartDoc is a "Telemedicine and others" model.
The price at every deductible
| Deductible | HMO | smartDoc | Gap per year |
|---|---|---|---|
| 300 | CHF 461.70 | CHF 461.70 | — |
| 500 | CHF 450.10 | CHF 450.10 | — |
| 1'000 | CHF 420.90 | CHF 420.90 | — |
| 1'500 | CHF 391.70 | CHF 391.70 | — |
| 2'000 | CHF 362.60 | CHF 362.60 | — |
| 2'500 | CHF 333.40 | CHF 333.40 | — |
The comparison, region by region
- HMO or smartDoc?
- 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 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.