HMO or smartDoc — Jura
Jura: with CONCORDIA, HMO costs CHF 594.00 a month in 2026 and smartDoc CHF 594.00, 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 594.00 | CHF 594.00 | — |
| 500 | CHF 582.40 | CHF 582.40 | — |
| 1'000 | CHF 553.20 | CHF 553.20 | — |
| 1'500 | CHF 524.00 | CHF 524.00 | — |
| 2'000 | CHF 494.90 | CHF 494.90 | — |
| 2'500 | CHF 465.70 | CHF 465.70 | — |
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
- Grisons — Region 3
- 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.