CONCORDIA smartDoc — Region 2, Lucerne
Region 2, Lucerne: the smartDoc model from CONCORDIA costs CHF 455.20 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 455.20, smartDoc is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 816.00 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 455.20 | CHF 430.20 |
| 500 | CHF 443.60 | CHF 419.30 |
| 1'000 | CHF 414.40 | CHF 391.70 |
| 1'500 | CHF 385.20 | CHF 364.10 |
| 2'000 | CHF 356.10 | CHF 336.60 |
| 2'500 | CHF 326.90 | CHF 309.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 341.40 | CHF 322.70 |
| 500 | CHF 329.80 | CHF 311.70 |
| 1'000 | CHF 300.60 | CHF 284.10 |
| 1'500 | CHF 271.40 | CHF 256.50 |
| 2'000 | CHF 242.30 | CHF 229.00 |
| 2'500 | CHF 213.10 | CHF 201.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.50 | CHF 100.70 |
| 100 | CHF 100.70 | CHF 95.20 |
| 200 | CHF 94.90 | CHF 89.70 |
| 300 | CHF 89.00 | CHF 84.20 |
| 400 | CHF 83.20 | CHF 78.70 |
| 500 | CHF 77.40 | CHF 73.20 |
| 600 | CHF 71.50 | CHF 67.60 |
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 1
- 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.