CONCORDIA smartDoc — Region 1, Lucerne
Region 1, Lucerne: the smartDoc model from CONCORDIA costs CHF 484.40 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 484.40, smartDoc is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 867.60 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 484.40 | CHF 457.80 |
| 500 | CHF 472.80 | CHF 446.80 |
| 1'000 | CHF 443.60 | CHF 419.30 |
| 1'500 | CHF 414.40 | CHF 391.70 |
| 2'000 | CHF 385.30 | CHF 364.20 |
| 2'500 | CHF 356.10 | CHF 336.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.40 | CHF 343.50 |
| 500 | CHF 351.80 | CHF 332.50 |
| 1'000 | CHF 322.60 | CHF 304.90 |
| 1'500 | CHF 293.40 | CHF 277.30 |
| 2'000 | CHF 264.30 | CHF 249.80 |
| 2'500 | CHF 235.10 | CHF 222.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.30 | CHF 107.10 |
| 100 | CHF 107.50 | CHF 101.60 |
| 200 | CHF 101.70 | CHF 96.20 |
| 300 | CHF 95.80 | CHF 90.60 |
| 400 | CHF 90.00 | CHF 85.10 |
| 500 | CHF 84.20 | CHF 79.60 |
| 600 | CHF 78.30 | CHF 74.00 |
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 2
- Grisons — Region 3
- Jura
- 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.