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CONCORDIA or KPT in Region 1 of canton Schaffhausen?

In Region 1, CONCORDIA is CHF 15.60 a year cheaper than KPT 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 502.30 a month, KPT to CHF 503.60. The gap is CHF 15.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is ÖKK, at CHF 480.30 a month. Moving there rather than to CONCORDIA is worth CHF 264.00 more a year. ÖKK

Where they stand in the region

CONCORDIA ranks 7 and KPT ranks 8, out of 23 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.

DeductibleCONCORDIAKPTGap
300CHF 577.30CHF 597.40− 20.10
500CHF 565.70CHF 585.80− 20.10
1'000CHF 536.50CHF 556.60− 20.10
1'500CHF 507.30CHF 527.40− 20.10
2'000CHF 478.20——
2'500CHF 449.00CHF 469.10− 20.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCONCORDIAKPT
Other modelCHF 502.30CHF 503.60
HMO practiceCHF 502.30CHF 527.00
Family doctorCHF 511.00CHF 527.00
Free choice of doctorCHF 577.30CHF 597.40

How they moved in this region

Against 2025, CONCORDIA moves by + 5.2 % and KPT by + 1.9 % in this region.

CONCORDIA, KPT, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.