CONCORDIA smartDoc — Region 1, Schaffhausen
Region 1, Schaffhausen: the smartDoc model from CONCORDIA costs CHF 502.30 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 502.30, smartDoc is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 900.00 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 502.30 | CHF 474.70 |
| 500 | CHF 490.70 | CHF 463.80 |
| 1'000 | CHF 461.50 | CHF 436.20 |
| 1'500 | CHF 432.30 | CHF 408.60 |
| 2'000 | CHF 403.20 | CHF 381.10 |
| 2'500 | CHF 374.00 | CHF 353.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 376.80 | CHF 356.10 |
| 500 | CHF 365.20 | CHF 345.20 |
| 1'000 | CHF 336.00 | CHF 317.60 |
| 1'500 | CHF 306.80 | CHF 290.00 |
| 2'000 | CHF 277.70 | CHF 262.50 |
| 2'500 | CHF 248.50 | CHF 234.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.90 | CHF 111.50 |
| 100 | CHF 112.10 | CHF 106.00 |
| 200 | CHF 106.30 | CHF 100.50 |
| 300 | CHF 100.40 | CHF 94.90 |
| 400 | CHF 94.60 | CHF 89.40 |
| 500 | CHF 88.80 | CHF 84.00 |
| 600 | CHF 82.90 | CHF 78.40 |
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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.