MyDoc or smartDoc — Region 3, St. Gallen
Region 3, St. Gallen: with CONCORDIA, MyDoc costs CHF 459.10 a month in 2026 and smartDoc CHF 446.20, 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 154.80 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 459.10 | CHF 446.20 | CHF 154.80 |
| 500 | CHF 447.50 | CHF 434.60 | CHF 154.80 |
| 1'000 | CHF 418.30 | CHF 405.40 | CHF 154.80 |
| 1'500 | CHF 389.10 | CHF 376.20 | CHF 154.80 |
| 2'000 | CHF 360.00 | CHF 347.10 | CHF 154.80 |
| 2'500 | CHF 330.80 | CHF 317.90 | CHF 154.80 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.