CONCORDIA smartDoc — Nidwalden
Nidwalden: the smartDoc model from CONCORDIA costs CHF 431.30 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 431.30, smartDoc is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 705.60 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 431.30 | CHF 407.60 |
| 500 | CHF 419.70 | CHF 396.70 |
| 1'000 | CHF 390.50 | CHF 369.10 |
| 1'500 | CHF 361.30 | CHF 341.50 |
| 2'000 | CHF 332.20 | CHF 314.00 |
| 2'500 | CHF 303.00 | CHF 286.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 323.50 | CHF 305.80 |
| 500 | CHF 311.90 | CHF 294.80 |
| 1'000 | CHF 282.70 | CHF 267.20 |
| 1'500 | CHF 253.50 | CHF 239.60 |
| 2'000 | CHF 224.40 | CHF 212.10 |
| 2'500 | CHF 195.20 | CHF 184.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.60 | CHF 97.00 |
| 100 | CHF 96.80 | CHF 91.50 |
| 200 | CHF 91.00 | CHF 86.00 |
| 300 | CHF 85.10 | CHF 80.50 |
| 400 | CHF 79.30 | CHF 75.00 |
| 500 | CHF 73.50 | CHF 69.50 |
| 600 | CHF 67.60 | CHF 63.90 |
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 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- 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.