Assura-Basis or CONCORDIA in Region 3 of canton Zurich?
In Region 3, Assura-Basis is CHF 86.40 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 454.00 a month, CONCORDIA to CHF 461.20. The gap is CHF 86.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Assura-Basis is worth CHF 314.40 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 7 and CONCORDIA ranks 8, out of 27 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Assura-Basis | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 515.90 | CHF 539.30 | − 23.40 |
| 500 | CHF 504.30 | CHF 527.70 | − 23.40 |
| 1'000 | CHF 475.10 | CHF 498.50 | − 23.40 |
| 1'500 | CHF 445.90 | CHF 469.30 | − 23.40 |
| 2'000 | CHF 416.80 | CHF 440.20 | − 23.40 |
| 2'500 | CHF 387.60 | CHF 411.00 | − 23.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | CONCORDIA |
|---|---|---|
| Family doctor | CHF 454.00 | CHF 477.30 |
| Free choice of doctor | CHF 515.90 | CHF 539.30 |
| HMO practice | — | CHF 461.20 |
| Other model | — | CHF 469.20 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.4 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.