HMO or smartDoc — Region 2, St. Gallen
Region 2, St. Gallen: with CONCORDIA, HMO costs CHF 456.00 a month in 2026 and smartDoc CHF 461.40, 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 64.80 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 456.00 | CHF 461.40 | CHF 64.80 |
| 500 | CHF 444.40 | CHF 449.80 | CHF 64.80 |
| 1'000 | CHF 415.20 | CHF 420.60 | CHF 64.80 |
| 1'500 | CHF 386.00 | CHF 391.40 | CHF 64.80 |
| 2'000 | CHF 356.90 | CHF 362.30 | CHF 64.80 |
| 2'500 | CHF 327.70 | CHF 333.10 | CHF 64.80 |
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
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- 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.