CONCORDIA smartDoc — Region 2, Grisons
Region 2, Grisons: the smartDoc model from CONCORDIA costs CHF 445.60 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 445.60, smartDoc is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 906.00 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 445.60 | CHF 421.10 |
| 500 | CHF 434.00 | CHF 410.20 |
| 1'000 | CHF 404.80 | CHF 382.60 |
| 1'500 | CHF 375.60 | CHF 355.00 |
| 2'000 | CHF 346.50 | CHF 327.50 |
| 2'500 | CHF 317.30 | CHF 299.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.30 | CHF 316.00 |
| 500 | CHF 322.70 | CHF 305.00 |
| 1'000 | CHF 293.50 | CHF 277.40 |
| 1'500 | CHF 264.30 | CHF 249.80 |
| 2'000 | CHF 235.20 | CHF 222.30 |
| 2'500 | CHF 206.90 | CHF 195.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.90 | CHF 102.00 |
| 100 | CHF 102.10 | CHF 96.50 |
| 200 | CHF 96.30 | CHF 91.10 |
| 300 | CHF 90.40 | CHF 85.50 |
| 400 | CHF 84.60 | CHF 80.00 |
| 500 | CHF 78.80 | CHF 74.50 |
| 600 | CHF 72.90 | CHF 68.90 |
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
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- 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.