CONCORDIA HMO — Schwyz
Schwyz: the HMO model from CONCORDIA costs CHF 435.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 435.80, HMO is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, HMO costs CHF 886.80 less per year than CONCORDIA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 435.80 | CHF 411.90 |
| 500 | CHF 424.20 | CHF 400.90 |
| 1'000 | CHF 395.00 | CHF 373.30 |
| 1'500 | CHF 365.80 | CHF 345.70 |
| 2'000 | CHF 336.70 | CHF 318.20 |
| 2'500 | CHF 307.50 | CHF 290.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 326.90 | CHF 309.00 |
| 500 | CHF 315.30 | CHF 298.00 |
| 1'000 | CHF 286.10 | CHF 270.40 |
| 1'500 | CHF 256.90 | CHF 242.80 |
| 2'000 | CHF 227.80 | CHF 215.30 |
| 2'500 | CHF 202.30 | CHF 191.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.30 | CHF 94.80 |
| 100 | CHF 94.50 | CHF 89.40 |
| 200 | CHF 88.70 | CHF 83.90 |
| 300 | CHF 82.80 | CHF 78.30 |
| 400 | CHF 77.00 | CHF 72.80 |
| 500 | CHF 71.20 | CHF 67.30 |
| 600 | CHF 65.30 | CHF 61.80 |
The price, region by region
- 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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
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.