HMO or smartDoc — Region 2, Lucerne
Region 2, Lucerne: with CONCORDIA, HMO costs CHF 447.40 a month in 2026 and smartDoc CHF 455.20, 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 93.60 saved per year against smartDoc, 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. smartDoc is a "Telemedicine and others" model.
The price at every deductible
| Deductible | HMO | smartDoc | Gap per year |
|---|---|---|---|
| 300 | CHF 447.40 | CHF 455.20 | CHF 93.60 |
| 500 | CHF 435.80 | CHF 443.60 | CHF 93.60 |
| 1'000 | CHF 406.60 | CHF 414.40 | CHF 93.60 |
| 1'500 | CHF 377.40 | CHF 385.20 | CHF 93.60 |
| 2'000 | CHF 348.30 | CHF 356.10 | CHF 93.60 |
| 2'500 | CHF 319.10 | CHF 326.90 | CHF 93.60 |
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
- Jura
- Lucerne — Region 1
- 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.