CONCORDIA or KPT?
Basic benefits are identical at CONCORDIA and KPT — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
KPT is cheaper in 25 of 42 premium regions.
On average, CONCORDIA costs CHF 26 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CONCORDIA | KPT | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 480.70 | CHF 488.40 | CHF -7.70 |
| Appenzell Innerrhoden | single | CHF 378.00 | CHF 364.90 | +CHF 13.10 |
| Appenzell Ausserrhoden | single | CHF 456.20 | CHF 444.00 | +CHF 12.20 |
| Bern | 1 | CHF 590.80 | CHF 578.10 | +CHF 12.70 |
| Bern | 2 | CHF 529.60 | CHF 520.10 | +CHF 9.50 |
| Bern | 3 | CHF 495.60 | CHF 488.10 | +CHF 7.50 |
| Basel-Landschaft | 1 | CHF 593.30 | CHF 569.30 | +CHF 24.00 |
| Basel-Landschaft | 2 | CHF 555.30 | CHF 531.30 | +CHF 24.00 |
| Basel-Stadt | single | CHF 593.20 | CHF 607.10 | CHF -13.90 |
| Fribourg | 1 | CHF 513.60 | CHF 516.60 | CHF -3.00 |
| Fribourg | 2 | CHF 482.70 | CHF 471.00 | +CHF 11.70 |
| Geneva | single | CHF 632.30 | CHF 626.60 | +CHF 5.70 |
| Glarus | single | CHF 452.40 | CHF 447.40 | +CHF 5.00 |
| Grisons | 1 | CHF 461.70 | CHF 460.80 | +CHF 0.90 |
| Grisons | 2 | CHF 445.60 | CHF 447.90 | CHF -2.30 |
| Grisons | 3 | CHF 426.20 | CHF 460.00 | CHF -33.80 |
| Jura | single | CHF 594.00 | CHF 583.30 | +CHF 10.70 |
| Lucerne | 1 | CHF 476.00 | CHF 498.70 | CHF -22.70 |
| Lucerne | 2 | CHF 447.40 | CHF 446.90 | +CHF 0.50 |
| Lucerne | 3 | CHF 435.20 | CHF 430.10 | +CHF 5.10 |
| Neuchâtel | single | CHF 608.90 | CHF 644.50 | CHF -35.60 |
| Nidwalden | single | CHF 426.40 | CHF 421.30 | +CHF 5.10 |
| Obwalden | single | CHF 414.90 | CHF 459.70 | CHF -44.80 |
| St. Gallen | 1 | CHF 486.70 | CHF 487.30 | CHF -0.60 |
| St. Gallen | 2 | CHF 456.00 | CHF 448.50 | +CHF 7.50 |
| St. Gallen | 3 | CHF 441.10 | CHF 431.80 | +CHF 9.30 |
| Schaffhausen | 1 | CHF 502.30 | CHF 503.60 | CHF -1.30 |
| Schaffhausen | 2 | CHF 469.60 | CHF 469.00 | +CHF 0.60 |
| Solothurn | single | CHF 507.10 | CHF 525.60 | CHF -18.50 |
| Schwyz | single | CHF 435.80 | CHF 468.60 | CHF -32.80 |
| Thurgau | single | CHF 458.90 | CHF 467.40 | CHF -8.50 |
| Ticino | 1 | CHF 613.40 | CHF 613.30 | +CHF 0.10 |
| Ticino | 2 | CHF 571.60 | CHF 565.90 | +CHF 5.70 |
| Uri | single | CHF 421.50 | CHF 418.90 | +CHF 2.60 |
| Vaud | 1 | CHF 596.70 | CHF 622.10 | CHF -25.40 |
| Vaud | 2 | CHF 566.50 | CHF 562.50 | +CHF 4.00 |
| Valais | 1 | CHF 498.00 | CHF 504.90 | CHF -6.90 |
| Valais | 2 | CHF 450.70 | CHF 443.80 | +CHF 6.90 |
| Zug | single | CHF 335.70 | CHF 346.50 | CHF -10.80 |
| Zurich | 1 | CHF 544.00 | CHF 543.80 | +CHF 0.20 |
| Zurich | 2 | CHF 492.30 | CHF 483.30 | +CHF 9.00 |
| Zurich | 3 | CHF 461.20 | CHF 476.80 | CHF -15.60 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.