CONCORDIA smartDoc — Region 1, St. Gallen
Region 1, St. Gallen: the smartDoc model from CONCORDIA costs CHF 492.40 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 492.40, smartDoc is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 921.60 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 492.40 | CHF 465.40 |
| 500 | CHF 480.80 | CHF 454.40 |
| 1'000 | CHF 451.60 | CHF 426.80 |
| 1'500 | CHF 422.40 | CHF 399.20 |
| 2'000 | CHF 393.30 | CHF 371.70 |
| 2'500 | CHF 364.10 | CHF 344.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 369.30 | CHF 349.00 |
| 500 | CHF 357.70 | CHF 338.10 |
| 1'000 | CHF 328.50 | CHF 310.50 |
| 1'500 | CHF 299.30 | CHF 282.90 |
| 2'000 | CHF 270.20 | CHF 255.40 |
| 2'500 | CHF 241.00 | CHF 227.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.10 | CHF 107.90 |
| 100 | CHF 108.30 | CHF 102.40 |
| 200 | CHF 102.50 | CHF 96.90 |
| 300 | CHF 96.60 | CHF 91.30 |
| 400 | CHF 90.80 | CHF 85.90 |
| 500 | CHF 85.00 | CHF 80.40 |
| 600 | CHF 79.10 | CHF 74.80 |
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 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.