HMO or smartDoc — Nidwalden
Nidwalden: with CONCORDIA, HMO costs CHF 426.40 a month in 2026 and smartDoc CHF 431.30, 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 58.80 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 426.40 | CHF 431.30 | CHF 58.80 |
| 500 | CHF 414.80 | CHF 419.70 | CHF 58.80 |
| 1'000 | CHF 385.60 | CHF 390.50 | CHF 58.80 |
| 1'500 | CHF 356.40 | CHF 361.30 | CHF 58.80 |
| 2'000 | CHF 327.30 | CHF 332.20 | CHF 58.80 |
| 2'500 | CHF 298.10 | CHF 303.00 | CHF 58.80 |
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 2
- Lucerne — Region 3
- Neuchâtel
- 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.