CONCORDIA HMO — Region 3, Zurich
Region 3, Zurich: the HMO model from CONCORDIA costs CHF 461.20 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 461.20, HMO is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, HMO costs CHF 937.20 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 461.20 | CHF 435.90 |
| 500 | CHF 449.60 | CHF 424.90 |
| 1'000 | CHF 420.40 | CHF 397.30 |
| 1'500 | CHF 391.20 | CHF 369.70 |
| 2'000 | CHF 362.10 | CHF 342.20 |
| 2'500 | CHF 332.90 | CHF 314.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 345.90 | CHF 326.90 |
| 500 | CHF 334.30 | CHF 316.00 |
| 1'000 | CHF 305.10 | CHF 288.40 |
| 1'500 | CHF 275.90 | CHF 260.80 |
| 2'000 | CHF 246.80 | CHF 233.30 |
| 2'500 | CHF 217.60 | CHF 205.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.80 | CHF 107.60 |
| 100 | CHF 108.00 | CHF 102.10 |
| 200 | CHF 102.20 | CHF 96.60 |
| 300 | CHF 96.30 | CHF 91.10 |
| 400 | CHF 90.50 | CHF 85.60 |
| 500 | CHF 84.70 | CHF 80.10 |
| 600 | CHF 78.80 | CHF 74.50 |
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
- Schwyz
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.