CONCORDIA smartDoc — Thurgau
Thurgau: the smartDoc model from CONCORDIA costs CHF 469.70 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 469.70, smartDoc is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 841.20 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 469.70 | CHF 443.90 |
| 500 | CHF 458.10 | CHF 433.00 |
| 1'000 | CHF 428.90 | CHF 405.40 |
| 1'500 | CHF 399.70 | CHF 377.80 |
| 2'000 | CHF 370.60 | CHF 350.30 |
| 2'500 | CHF 341.40 | CHF 322.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 352.30 | CHF 333.00 |
| 500 | CHF 340.70 | CHF 322.00 |
| 1'000 | CHF 311.50 | CHF 294.40 |
| 1'500 | CHF 282.30 | CHF 266.80 |
| 2'000 | CHF 253.20 | CHF 239.30 |
| 2'500 | CHF 224.00 | CHF 211.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.50 | CHF 106.40 |
| 100 | CHF 106.70 | CHF 100.90 |
| 200 | CHF 100.90 | CHF 95.40 |
| 300 | CHF 95.00 | CHF 89.80 |
| 400 | CHF 89.20 | CHF 84.30 |
| 500 | CHF 83.40 | CHF 78.90 |
| 600 | CHF 77.50 | CHF 73.30 |
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 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.