CONCORDIA or KPT in Region 2 of canton Vaud?
In Region 2, KPT is CHF 48.00 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
KPT comes down to CHF 562.50 a month, CONCORDIA to CHF 566.50. The gap is CHF 48.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to KPT is worth CHF 302.40 more a year. Assura-Basis
Where they stand in the region
CONCORDIA ranks 15 and KPT ranks 13, 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 654.80 | CHF 671.10 | − 16.30 |
| 500 | CHF 643.20 | CHF 659.50 | − 16.30 |
| 1'000 | CHF 614.00 | CHF 630.30 | − 16.30 |
| 1'500 | CHF 584.80 | CHF 601.10 | − 16.30 |
| 2'000 | CHF 555.70 | — | — |
| 2'500 | CHF 526.50 | CHF 542.80 | − 16.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| Other model | CHF 566.50 | CHF 562.50 |
| HMO practice | CHF 566.50 | CHF 568.00 |
| Family doctor | CHF 579.50 | CHF 589.70 |
| Free choice of doctor | CHF 654.80 | CHF 671.10 |
How they moved in this region
Against 2025, CONCORDIA moves by + 6.7 % and KPT by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.