CONCORDIA smartDoc — Aargau
Aargau: the smartDoc model from CONCORDIA costs CHF 486.40 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 486.40, smartDoc is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 909.60 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 486.40 | CHF 459.70 |
| 500 | CHF 474.80 | CHF 448.70 |
| 1'000 | CHF 445.60 | CHF 421.10 |
| 1'500 | CHF 416.40 | CHF 393.50 |
| 2'000 | CHF 387.30 | CHF 366.00 |
| 2'500 | CHF 358.10 | CHF 338.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 364.80 | CHF 344.80 |
| 500 | CHF 353.20 | CHF 333.80 |
| 1'000 | CHF 324.00 | CHF 306.20 |
| 1'500 | CHF 294.80 | CHF 278.60 |
| 2'000 | CHF 265.70 | CHF 251.10 |
| 2'500 | CHF 236.50 | CHF 223.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.10 | CHF 108.80 |
| 100 | CHF 109.30 | CHF 103.30 |
| 200 | CHF 103.50 | CHF 97.90 |
| 300 | CHF 97.60 | CHF 92.30 |
| 400 | CHF 91.80 | CHF 86.80 |
| 500 | CHF 86.00 | CHF 81.30 |
| 600 | CHF 80.10 | CHF 75.70 |
The price, region by region
- 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
- Thurgau
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.