MyDoc or smartDoc — Region 2, Lucerne
Region 2, Lucerne: with CONCORDIA, MyDoc costs CHF 470.90 a month in 2026 and smartDoc CHF 455.20, 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 188.40 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 470.90 | CHF 455.20 | CHF 188.40 |
| 500 | CHF 459.30 | CHF 443.60 | CHF 188.40 |
| 1'000 | CHF 430.10 | CHF 414.40 | CHF 188.40 |
| 1'500 | CHF 400.90 | CHF 385.20 | CHF 188.40 |
| 2'000 | CHF 371.80 | CHF 356.10 | CHF 188.40 |
| 2'500 | CHF 342.60 | CHF 326.90 | CHF 188.40 |
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 1
- 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.