CONCORDIA smartDoc — Region 2, St. Gallen
Region 2, St. Gallen: the smartDoc model from CONCORDIA costs CHF 461.40 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 461.40, smartDoc is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 862.80 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 461.40 | CHF 436.10 |
| 500 | CHF 449.80 | CHF 425.10 |
| 1'000 | CHF 420.60 | CHF 397.50 |
| 1'500 | CHF 391.40 | CHF 369.90 |
| 2'000 | CHF 362.30 | CHF 342.40 |
| 2'500 | CHF 333.10 | CHF 314.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 346.00 | CHF 327.00 |
| 500 | CHF 334.40 | CHF 316.10 |
| 1'000 | CHF 305.20 | CHF 288.50 |
| 1'500 | CHF 276.00 | CHF 260.90 |
| 2'000 | CHF 246.90 | CHF 233.40 |
| 2'500 | CHF 217.70 | CHF 205.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.00 | CHF 101.20 |
| 100 | CHF 101.20 | CHF 95.70 |
| 200 | CHF 95.40 | CHF 90.20 |
| 300 | CHF 89.50 | CHF 84.60 |
| 400 | CHF 83.70 | CHF 79.10 |
| 500 | CHF 77.90 | CHF 73.70 |
| 600 | CHF 72.00 | CHF 68.10 |
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 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.