CONCORDIA smartDoc — Region 2, Bern
Region 2, Bern: the smartDoc model from CONCORDIA costs CHF 542.10 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 542.10, smartDoc is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 1'015.20 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 542.10 | CHF 512.30 |
| 500 | CHF 530.50 | CHF 501.40 |
| 1'000 | CHF 501.30 | CHF 473.80 |
| 1'500 | CHF 472.10 | CHF 446.20 |
| 2'000 | CHF 443.00 | CHF 418.70 |
| 2'500 | CHF 413.80 | CHF 391.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 406.70 | CHF 384.40 |
| 500 | CHF 395.10 | CHF 373.40 |
| 1'000 | CHF 365.90 | CHF 345.80 |
| 1'500 | CHF 336.70 | CHF 318.20 |
| 2'000 | CHF 307.60 | CHF 290.70 |
| 2'500 | CHF 278.40 | CHF 263.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.70 | CHF 116.90 |
| 100 | CHF 117.90 | CHF 111.50 |
| 200 | CHF 112.10 | CHF 106.00 |
| 300 | CHF 106.20 | CHF 100.40 |
| 400 | CHF 100.40 | CHF 94.90 |
| 500 | CHF 94.60 | CHF 89.40 |
| 600 | CHF 88.70 | CHF 83.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.