CONCORDIA smartDoc — Region 1, Vaud
Region 1, Vaud: the smartDoc model from CONCORDIA costs CHF 596.70 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 596.70, smartDoc is not the lowest premium here: Atupri goes down to CHF 570.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 1'117.20 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 596.70 | CHF 563.90 |
| 500 | CHF 585.10 | CHF 553.00 |
| 1'000 | CHF 555.90 | CHF 525.40 |
| 1'500 | CHF 526.70 | CHF 497.80 |
| 2'000 | CHF 497.60 | CHF 470.30 |
| 2'500 | CHF 468.40 | CHF 442.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 447.60 | CHF 423.00 |
| 500 | CHF 436.00 | CHF 412.10 |
| 1'000 | CHF 406.80 | CHF 384.50 |
| 1'500 | CHF 377.60 | CHF 356.90 |
| 2'000 | CHF 348.50 | CHF 329.40 |
| 2'500 | CHF 319.30 | CHF 301.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 151.40 | CHF 143.10 |
| 100 | CHF 145.60 | CHF 137.60 |
| 200 | CHF 139.80 | CHF 132.20 |
| 300 | CHF 133.90 | CHF 126.60 |
| 400 | CHF 128.10 | CHF 121.10 |
| 500 | CHF 122.30 | CHF 115.60 |
| 600 | CHF 116.40 | CHF 110.00 |
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.