CONCORDIA smartDoc — Region 2, Fribourg
Region 2, Fribourg: the smartDoc model from CONCORDIA costs CHF 482.70 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 482.70, smartDoc is not the lowest premium here: Agrisano goes down to CHF 450.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 903.60 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 482.70 | CHF 456.20 |
| 500 | CHF 471.10 | CHF 445.20 |
| 1'000 | CHF 441.90 | CHF 417.60 |
| 1'500 | CHF 412.70 | CHF 390.10 |
| 2'000 | CHF 383.60 | CHF 362.60 |
| 2'500 | CHF 354.40 | CHF 335.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 362.10 | CHF 342.20 |
| 500 | CHF 350.50 | CHF 331.30 |
| 1'000 | CHF 321.30 | CHF 303.70 |
| 1'500 | CHF 292.10 | CHF 276.10 |
| 2'000 | CHF 263.00 | CHF 248.60 |
| 2'500 | CHF 233.80 | CHF 221.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.80 | CHF 108.50 |
| 100 | CHF 109.00 | CHF 103.10 |
| 200 | CHF 103.20 | CHF 97.60 |
| 300 | CHF 97.30 | CHF 92.00 |
| 400 | CHF 91.50 | CHF 86.50 |
| 500 | CHF 85.70 | CHF 81.00 |
| 600 | CHF 79.80 | CHF 75.50 |
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 1
- 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.