CONCORDIA smartDoc — Region 1, Fribourg
Region 1, Fribourg: the smartDoc model from CONCORDIA costs CHF 513.60 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 513.60, smartDoc is not the lowest premium here: Vivao Sympany goes down to CHF 501.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 961.20 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 513.60 | CHF 485.40 |
| 500 | CHF 502.00 | CHF 474.40 |
| 1'000 | CHF 472.80 | CHF 446.80 |
| 1'500 | CHF 443.60 | CHF 419.30 |
| 2'000 | CHF 414.50 | CHF 391.80 |
| 2'500 | CHF 385.30 | CHF 364.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 385.20 | CHF 364.10 |
| 500 | CHF 373.60 | CHF 353.10 |
| 1'000 | CHF 344.40 | CHF 325.50 |
| 1'500 | CHF 315.20 | CHF 297.90 |
| 2'000 | CHF 286.10 | CHF 270.40 |
| 2'500 | CHF 256.90 | CHF 242.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.20 | CHF 115.50 |
| 100 | CHF 116.40 | CHF 110.00 |
| 200 | CHF 110.60 | CHF 104.60 |
| 300 | CHF 104.70 | CHF 99.00 |
| 400 | CHF 98.90 | CHF 93.50 |
| 500 | CHF 93.10 | CHF 88.00 |
| 600 | CHF 87.20 | CHF 82.50 |
The price, region by region
- 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 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.