CONCORDIA smartDoc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the smartDoc model from CONCORDIA costs CHF 456.20 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 456.20, smartDoc is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 781.20 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 456.20 | CHF 431.20 |
| 500 | CHF 444.60 | CHF 420.20 |
| 1'000 | CHF 415.40 | CHF 392.60 |
| 1'500 | CHF 386.20 | CHF 365.00 |
| 2'000 | CHF 357.10 | CHF 337.50 |
| 2'500 | CHF 327.90 | CHF 309.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 342.20 | CHF 323.40 |
| 500 | CHF 330.60 | CHF 312.50 |
| 1'000 | CHF 301.40 | CHF 284.90 |
| 1'500 | CHF 272.20 | CHF 257.30 |
| 2'000 | CHF 243.10 | CHF 229.80 |
| 2'500 | CHF 213.90 | CHF 202.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.40 | CHF 106.30 |
| 100 | CHF 106.60 | CHF 100.80 |
| 200 | CHF 100.80 | CHF 95.30 |
| 300 | CHF 94.90 | CHF 89.70 |
| 400 | CHF 89.10 | CHF 84.20 |
| 500 | CHF 83.30 | CHF 78.80 |
| 600 | CHF 77.40 | CHF 73.20 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.