CONCORDIA smartDoc — Region 1, Zurich
Region 1, Zurich: the smartDoc model from CONCORDIA costs CHF 553.50 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 553.50, smartDoc is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 992.40 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 553.50 | CHF 523.10 |
| 500 | CHF 541.90 | CHF 512.10 |
| 1'000 | CHF 512.70 | CHF 484.60 |
| 1'500 | CHF 483.50 | CHF 457.00 |
| 2'000 | CHF 454.40 | CHF 429.50 |
| 2'500 | CHF 425.20 | CHF 401.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.20 | CHF 392.40 |
| 500 | CHF 403.60 | CHF 381.50 |
| 1'000 | CHF 374.40 | CHF 353.90 |
| 1'500 | CHF 345.20 | CHF 326.30 |
| 2'000 | CHF 316.10 | CHF 298.80 |
| 2'500 | CHF 286.90 | CHF 271.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 136.60 | CHF 129.10 |
| 100 | CHF 130.80 | CHF 123.70 |
| 200 | CHF 125.00 | CHF 118.20 |
| 300 | CHF 119.10 | CHF 112.60 |
| 400 | CHF 113.30 | CHF 107.10 |
| 500 | CHF 107.50 | CHF 101.60 |
| 600 | CHF 101.60 | CHF 96.10 |
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.