CONCORDIA smartDoc — Obwalden
Obwalden: the smartDoc model from CONCORDIA costs CHF 419.60 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 419.60, smartDoc is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 686.40 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 419.60 | CHF 396.60 |
| 500 | CHF 408.00 | CHF 385.60 |
| 1'000 | CHF 378.80 | CHF 358.00 |
| 1'500 | CHF 349.60 | CHF 330.40 |
| 2'000 | CHF 320.50 | CHF 302.90 |
| 2'500 | CHF 291.30 | CHF 275.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 314.70 | CHF 297.40 |
| 500 | CHF 303.10 | CHF 286.50 |
| 1'000 | CHF 273.90 | CHF 258.90 |
| 1'500 | CHF 244.70 | CHF 231.30 |
| 2'000 | CHF 215.60 | CHF 203.80 |
| 2'500 | CHF 189.30 | CHF 178.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.90 | CHF 97.30 |
| 100 | CHF 97.10 | CHF 91.80 |
| 200 | CHF 91.30 | CHF 86.30 |
| 300 | CHF 85.40 | CHF 80.80 |
| 400 | CHF 79.60 | CHF 75.30 |
| 500 | CHF 73.80 | CHF 69.80 |
| 600 | CHF 67.90 | CHF 64.20 |
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
- Nidwalden
- 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.