CONCORDIA HMO — Region 1, St. Gallen
Region 1, St. Gallen: the HMO model from CONCORDIA costs CHF 486.70 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 486.70, HMO is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, HMO costs CHF 990.00 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 486.70 | CHF 460.00 |
| 500 | CHF 475.10 | CHF 449.00 |
| 1'000 | CHF 445.90 | CHF 421.40 |
| 1'500 | CHF 416.70 | CHF 393.80 |
| 2'000 | CHF 387.60 | CHF 366.30 |
| 2'500 | CHF 358.40 | CHF 338.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.00 | CHF 345.00 |
| 500 | CHF 353.40 | CHF 334.00 |
| 1'000 | CHF 324.20 | CHF 306.40 |
| 1'500 | CHF 295.00 | CHF 278.80 |
| 2'000 | CHF 265.90 | CHF 251.30 |
| 2'500 | CHF 236.70 | CHF 223.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.80 | CHF 106.60 |
| 100 | CHF 107.00 | CHF 101.20 |
| 200 | CHF 101.20 | CHF 95.70 |
| 300 | CHF 95.30 | CHF 90.10 |
| 400 | CHF 89.50 | CHF 84.60 |
| 500 | CHF 83.70 | CHF 79.10 |
| 600 | CHF 77.80 | CHF 73.60 |
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 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- 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.