CONCORDIA or Mutuel?
Basic benefits are identical at CONCORDIA and Mutuel — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CONCORDIA is cheaper in 38 of 42 premium regions.
On average, CONCORDIA costs CHF 388 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CONCORDIA | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 480.70 | CHF 500.20 | CHF -19.50 |
| Appenzell Innerrhoden | single | CHF 378.00 | CHF 422.20 | CHF -44.20 |
| Appenzell Ausserrhoden | single | CHF 456.20 | CHF 558.50 | CHF -102.30 |
| Bern | 1 | CHF 590.80 | CHF 601.20 | CHF -10.40 |
| Bern | 2 | CHF 529.60 | CHF 553.10 | CHF -23.50 |
| Bern | 3 | CHF 495.60 | CHF 529.00 | CHF -33.40 |
| Basel-Landschaft | 1 | CHF 593.30 | CHF 572.40 | +CHF 20.90 |
| Basel-Landschaft | 2 | CHF 555.30 | CHF 538.00 | +CHF 17.30 |
| Basel-Stadt | single | CHF 593.20 | CHF 593.60 | CHF -0.40 |
| Fribourg | 1 | CHF 513.60 | CHF 542.10 | CHF -28.50 |
| Fribourg | 2 | CHF 482.70 | CHF 512.30 | CHF -29.60 |
| Geneva | single | CHF 632.30 | CHF 624.40 | +CHF 7.90 |
| Glarus | single | CHF 452.40 | CHF 476.50 | CHF -24.10 |
| Grisons | 1 | CHF 461.70 | CHF 479.50 | CHF -17.80 |
| Grisons | 2 | CHF 445.60 | CHF 467.60 | CHF -22.00 |
| Grisons | 3 | CHF 426.20 | CHF 455.60 | CHF -29.40 |
| Jura | single | CHF 594.00 | CHF 591.80 | +CHF 2.20 |
| Lucerne | 1 | CHF 476.00 | CHF 560.60 | CHF -84.60 |
| Lucerne | 2 | CHF 447.40 | CHF 526.90 | CHF -79.50 |
| Lucerne | 3 | CHF 435.20 | CHF 521.30 | CHF -86.10 |
| Neuchâtel | single | CHF 608.90 | CHF 624.00 | CHF -15.10 |
| Nidwalden | single | CHF 426.40 | CHF 511.40 | CHF -85.00 |
| Obwalden | single | CHF 414.90 | CHF 442.10 | CHF -27.20 |
| St. Gallen | 1 | CHF 486.70 | CHF 527.60 | CHF -40.90 |
| St. Gallen | 2 | CHF 456.00 | CHF 490.70 | CHF -34.70 |
| St. Gallen | 3 | CHF 441.10 | CHF 464.30 | CHF -23.20 |
| Schaffhausen | 1 | CHF 502.30 | CHF 555.20 | CHF -52.90 |
| Schaffhausen | 2 | CHF 469.60 | CHF 527.50 | CHF -57.90 |
| Solothurn | single | CHF 507.10 | CHF 509.40 | CHF -2.30 |
| Schwyz | single | CHF 435.80 | CHF 453.00 | CHF -17.20 |
| Thurgau | single | CHF 458.90 | CHF 488.50 | CHF -29.60 |
| Ticino | 1 | CHF 613.40 | CHF 683.60 | CHF -70.20 |
| Ticino | 2 | CHF 571.60 | CHF 649.40 | CHF -77.80 |
| Uri | single | CHF 421.50 | CHF 482.30 | CHF -60.80 |
| Vaud | 1 | CHF 596.70 | CHF 617.50 | CHF -20.80 |
| Vaud | 2 | CHF 566.50 | CHF 580.50 | CHF -14.00 |
| Valais | 1 | CHF 498.00 | CHF 503.20 | CHF -5.20 |
| Valais | 2 | CHF 450.70 | CHF 478.10 | CHF -27.40 |
| Zug | single | CHF 335.70 | CHF 364.00 | CHF -28.30 |
| Zurich | 1 | CHF 544.00 | CHF 553.50 | CHF -9.50 |
| Zurich | 2 | CHF 492.30 | CHF 531.30 | CHF -39.00 |
| Zurich | 3 | CHF 461.20 | CHF 492.60 | CHF -31.40 |
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.