CONCORDIA or KPT in Region 1 of canton Vaud?
In Region 1, CONCORDIA is CHF 304.80 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 596.70 a month, KPT to CHF 622.10. The gap is CHF 304.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to CONCORDIA is worth CHF 319.20 more a year. Atupri
Where they stand in the region
CONCORDIA ranks 12 and KPT ranks 16, out of 21 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 | KPT | Gap |
|---|---|---|---|
| 300 | CHF 689.80 | CHF 745.50 | − 55.70 |
| 500 | CHF 678.20 | CHF 733.90 | − 55.70 |
| 1'000 | CHF 649.00 | CHF 704.70 | − 55.70 |
| 1'500 | CHF 619.80 | CHF 675.50 | − 55.70 |
| 2'000 | CHF 590.70 | — | — |
| 2'500 | CHF 561.50 | CHF 617.20 | − 55.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| Other model | CHF 596.70 | CHF 622.10 |
| HMO practice | CHF 596.70 | CHF 640.60 |
| Family doctor | CHF 610.50 | CHF 652.90 |
| Free choice of doctor | CHF 689.80 | CHF 745.50 |
How they moved in this region
Against 2025, CONCORDIA moves by + 6.7 % and KPT by + 5.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.