HMO or smartDoc — Obwalden
Obwalden: with CONCORDIA, HMO costs CHF 414.90 a month in 2026 and smartDoc CHF 419.60, 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 56.40 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 414.90 | CHF 419.60 | CHF 56.40 |
| 500 | CHF 403.30 | CHF 408.00 | CHF 56.40 |
| 1'000 | CHF 374.10 | CHF 378.80 | CHF 56.40 |
| 1'500 | CHF 344.90 | CHF 349.60 | CHF 56.40 |
| 2'000 | CHF 315.80 | CHF 320.50 | CHF 56.40 |
| 2'500 | CHF 286.60 | CHF 291.30 | CHF 56.40 |
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 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.