CONCORDIA or Atupri in Region 3 of canton Bern?
In Region 3, CONCORDIA is CHF 181.20 a year cheaper than Atupri for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 495.60 a month, Atupri to CHF 510.70. The gap is CHF 181.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to CONCORDIA is worth CHF 577.20 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 12 and Atupri ranks 21, out of 26 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 | CONCORDIA | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 586.40 | CHF 583.60 | + 2.80 |
| 500 | CHF 574.80 | CHF 572.00 | + 2.80 |
| 1'000 | CHF 545.60 | CHF 542.80 | + 2.80 |
| 1'500 | CHF 516.40 | CHF 513.60 | + 2.80 |
| 2'000 | CHF 487.30 | CHF 484.50 | + 2.80 |
| 2'500 | CHF 458.10 | CHF 455.30 | + 2.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Atupri |
|---|---|---|
| HMO practice | CHF 495.60 | CHF 513.60 |
| Other model | CHF 507.30 | CHF 510.70 |
| Family doctor | CHF 527.80 | CHF 525.20 |
| Free choice of doctor | CHF 586.40 | CHF 583.60 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and Atupri by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.