MyDoc or smartDoc — Region 1, Lucerne
Region 1, Lucerne: with CONCORDIA, MyDoc costs CHF 501.10 a month in 2026 and smartDoc CHF 484.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
smartDoc is the cheaper of the two here: CHF 200.40 saved per year against MyDoc, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
MyDoc is a "Family doctor" model. smartDoc is a "Telemedicine and others" model.
The price at every deductible
| Deductible | MyDoc | smartDoc | Gap per year |
|---|---|---|---|
| 300 | CHF 501.10 | CHF 484.40 | CHF 200.40 |
| 500 | CHF 489.50 | CHF 472.80 | CHF 200.40 |
| 1'000 | CHF 460.30 | CHF 443.60 | CHF 200.40 |
| 1'500 | CHF 431.10 | CHF 414.40 | CHF 200.40 |
| 2'000 | CHF 402.00 | CHF 385.30 | CHF 200.40 |
| 2'500 | CHF 372.80 | CHF 356.10 | CHF 200.40 |
The comparison, region by region
- MyDoc 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 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
- 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.