CONCORDIA smartDoc — Region 3, St. Gallen
Region 3, St. Gallen: the smartDoc model from CONCORDIA costs CHF 446.20 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 446.20, smartDoc is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 835.20 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 446.20 | CHF 421.70 |
| 500 | CHF 434.60 | CHF 410.70 |
| 1'000 | CHF 405.40 | CHF 383.20 |
| 1'500 | CHF 376.20 | CHF 355.60 |
| 2'000 | CHF 347.10 | CHF 328.10 |
| 2'500 | CHF 317.90 | CHF 300.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.70 | CHF 316.30 |
| 500 | CHF 323.10 | CHF 305.40 |
| 1'000 | CHF 293.90 | CHF 277.80 |
| 1'500 | CHF 264.70 | CHF 250.20 |
| 2'000 | CHF 235.60 | CHF 222.70 |
| 2'500 | CHF 206.40 | CHF 195.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.50 | CHF 97.90 |
| 100 | CHF 97.70 | CHF 92.40 |
| 200 | CHF 91.90 | CHF 86.90 |
| 300 | CHF 86.00 | CHF 81.30 |
| 400 | CHF 80.20 | CHF 75.80 |
| 500 | CHF 74.40 | CHF 70.40 |
| 600 | CHF 68.50 | CHF 64.80 |
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 1
- St. Gallen — Region 2
- 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.