CONCORDIA smartDoc — Zug
Zug: the smartDoc model from CONCORDIA costs CHF 343.40 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 343.40, smartDoc is not the lowest premium here: Agrisano goes down to CHF 335.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 508.80 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 343.40 | CHF 324.60 |
| 500 | CHF 331.80 | CHF 313.60 |
| 1'000 | CHF 302.60 | CHF 286.00 |
| 1'500 | CHF 273.40 | CHF 258.40 |
| 2'000 | CHF 244.30 | CHF 230.90 |
| 2'500 | CHF 215.10 | CHF 203.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 257.60 | CHF 243.50 |
| 500 | CHF 246.00 | CHF 232.50 |
| 1'000 | CHF 216.80 | CHF 204.90 |
| 1'500 | CHF 187.60 | CHF 177.30 |
| 2'000 | CHF 158.50 | CHF 149.80 |
| 2'500 | CHF 153.20 | CHF 144.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 84.30 | CHF 79.70 |
| 100 | CHF 78.50 | CHF 74.20 |
| 200 | CHF 72.70 | CHF 68.80 |
| 300 | CHF 66.80 | CHF 63.20 |
| 400 | CHF 61.00 | CHF 57.70 |
| 500 | CHF 55.20 | CHF 52.20 |
| 600 | CHF 50.20 | CHF 47.50 |
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.