CONCORDIA smartDoc — Uri
Uri: the smartDoc model from CONCORDIA costs CHF 433.90 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 433.90, smartDoc is not the lowest premium here: Agrisano goes down to CHF 376.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 742.80 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 433.90 | CHF 410.10 |
| 500 | CHF 422.30 | CHF 399.10 |
| 1'000 | CHF 393.10 | CHF 371.50 |
| 1'500 | CHF 363.90 | CHF 343.90 |
| 2'000 | CHF 334.80 | CHF 316.40 |
| 2'500 | CHF 305.60 | CHF 288.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 325.50 | CHF 307.60 |
| 500 | CHF 313.90 | CHF 296.70 |
| 1'000 | CHF 284.70 | CHF 269.10 |
| 1'500 | CHF 255.50 | CHF 241.50 |
| 2'000 | CHF 226.40 | CHF 214.00 |
| 2'500 | CHF 197.20 | CHF 186.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.90 | CHF 97.30 |
| 100 | CHF 97.10 | CHF 91.80 |
| 200 | CHF 91.30 | CHF 86.30 |
| 300 | CHF 85.40 | CHF 80.80 |
| 400 | CHF 79.60 | CHF 75.30 |
| 500 | CHF 73.80 | CHF 69.80 |
| 600 | CHF 67.90 | CHF 64.20 |
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.