MyDoc or smartDoc — Region 3, Lucerne
Region 3, Lucerne: with CONCORDIA, MyDoc costs CHF 458.10 a month in 2026 and smartDoc CHF 442.90, 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 182.40 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 458.10 | CHF 442.90 | CHF 182.40 |
| 500 | CHF 446.50 | CHF 431.30 | CHF 182.40 |
| 1'000 | CHF 417.30 | CHF 402.10 | CHF 182.40 |
| 1'500 | CHF 388.10 | CHF 372.90 | CHF 182.40 |
| 2'000 | CHF 359.00 | CHF 343.80 | CHF 182.40 |
| 2'500 | CHF 329.80 | CHF 314.60 | CHF 182.40 |
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 2
- 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.