CONCORDIA smartDoc — Region 3, Lucerne
Region 3, Lucerne: the smartDoc model from CONCORDIA costs CHF 442.90 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 442.90, smartDoc is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 793.20 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 442.90 | CHF 418.60 |
| 500 | CHF 431.30 | CHF 407.60 |
| 1'000 | CHF 402.10 | CHF 380.00 |
| 1'500 | CHF 372.90 | CHF 352.40 |
| 2'000 | CHF 343.80 | CHF 324.90 |
| 2'500 | CHF 314.60 | CHF 297.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 332.20 | CHF 314.00 |
| 500 | CHF 320.60 | CHF 303.00 |
| 1'000 | CHF 291.40 | CHF 275.40 |
| 1'500 | CHF 262.20 | CHF 247.80 |
| 2'000 | CHF 233.10 | CHF 220.30 |
| 2'500 | CHF 203.90 | CHF 192.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.70 | CHF 98.00 |
| 100 | CHF 97.90 | CHF 92.60 |
| 200 | CHF 92.10 | CHF 87.10 |
| 300 | CHF 86.20 | CHF 81.50 |
| 400 | CHF 80.40 | CHF 76.00 |
| 500 | CHF 74.60 | CHF 70.50 |
| 600 | CHF 68.70 | CHF 65.00 |
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 1
- Lucerne — Region 2
- 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.