HMO or smartDoc — Region 3, St. Gallen
Region 3, St. Gallen: with CONCORDIA, HMO costs CHF 441.10 a month in 2026 and smartDoc CHF 446.20, 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 61.20 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 441.10 | CHF 446.20 | CHF 61.20 |
| 500 | CHF 429.50 | CHF 434.60 | CHF 61.20 |
| 1'000 | CHF 400.30 | CHF 405.40 | CHF 61.20 |
| 1'500 | CHF 371.10 | CHF 376.20 | CHF 61.20 |
| 2'000 | CHF 342.00 | CHF 347.10 | CHF 61.20 |
| 2'500 | CHF 312.80 | CHF 317.90 | CHF 61.20 |
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 2
- 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.