CONCORDIA smartDoc — Region 2, Zurich
Region 2, Zurich: the smartDoc model from CONCORDIA costs CHF 500.90 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 500.90, smartDoc is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 897.60 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 500.90 | CHF 473.40 |
| 500 | CHF 489.30 | CHF 462.40 |
| 1'000 | CHF 460.10 | CHF 434.80 |
| 1'500 | CHF 430.90 | CHF 407.30 |
| 2'000 | CHF 401.80 | CHF 379.80 |
| 2'500 | CHF 372.60 | CHF 352.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.70 | CHF 355.10 |
| 500 | CHF 364.10 | CHF 344.10 |
| 1'000 | CHF 334.90 | CHF 316.50 |
| 1'500 | CHF 305.70 | CHF 288.90 |
| 2'000 | CHF 276.60 | CHF 261.40 |
| 2'500 | CHF 247.40 | CHF 233.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.60 | CHF 116.90 |
| 100 | CHF 117.80 | CHF 111.40 |
| 200 | CHF 112.00 | CHF 105.90 |
| 300 | CHF 106.10 | CHF 100.30 |
| 400 | CHF 100.30 | CHF 94.80 |
| 500 | CHF 94.50 | CHF 89.40 |
| 600 | CHF 88.60 | CHF 83.80 |
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.