CONCORDIA smartDoc — Region 3, Zurich
Region 3, Zurich: the smartDoc model from CONCORDIA costs CHF 469.20 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 469.20, smartDoc is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, smartDoc costs CHF 841.20 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 469.20 | CHF 443.40 |
| 500 | CHF 457.60 | CHF 432.50 |
| 1'000 | CHF 428.40 | CHF 404.90 |
| 1'500 | CHF 399.20 | CHF 377.30 |
| 2'000 | CHF 370.10 | CHF 349.80 |
| 2'500 | CHF 340.90 | CHF 322.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 352.00 | CHF 332.70 |
| 500 | CHF 340.40 | CHF 321.70 |
| 1'000 | CHF 311.20 | CHF 294.10 |
| 1'500 | CHF 282.00 | CHF 266.50 |
| 2'000 | CHF 252.90 | CHF 239.00 |
| 2'500 | CHF 223.70 | CHF 211.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.80 | CHF 109.50 |
| 100 | CHF 110.00 | CHF 104.00 |
| 200 | CHF 104.20 | CHF 98.50 |
| 300 | CHF 98.30 | CHF 92.90 |
| 400 | CHF 92.50 | CHF 87.50 |
| 500 | CHF 86.70 | CHF 82.00 |
| 600 | CHF 80.80 | CHF 76.40 |
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.