HMO or smartDoc — Region 3, Grisons
Region 3, Grisons: with CONCORDIA, HMO costs CHF 426.20 a month in 2026 and smartDoc CHF 426.20, 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 426.20 | CHF 426.20 | — |
| 500 | CHF 414.60 | CHF 414.60 | — |
| 1'000 | CHF 385.40 | CHF 385.40 | — |
| 1'500 | CHF 356.20 | CHF 356.20 | — |
| 2'000 | CHF 327.10 | CHF 327.10 | — |
| 2'500 | CHF 297.90 | CHF 297.90 | — |
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 1
- Grisons — Region 2
- 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.