CONCORDIA or Mutuel in Region 1 of canton Bern?
In Region 1, CONCORDIA is CHF 124.80 a year cheaper than Mutuel 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 590.80 a month, Mutuel to CHF 601.20. The gap is CHF 124.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to CONCORDIA is worth CHF 608.40 more a year. Visana
Where they stand in the region
CONCORDIA ranks 14 and Mutuel ranks 16, out of 26 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 699.10 | CHF 687.00 | + 12.10 |
| 500 | CHF 687.50 | CHF 675.50 | + 12.00 |
| 1'000 | CHF 658.30 | CHF 646.50 | + 11.80 |
| 1'500 | CHF 629.10 | CHF 617.00 | + 12.10 |
| 2'000 | CHF 600.00 | CHF 588.00 | + 12.00 |
| 2'500 | CHF 570.80 | CHF 559.00 | + 11.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 590.80 | CHF 604.60 |
| Other model | CHF 604.80 | CHF 601.20 |
| Family doctor | CHF 629.20 | CHF 625.20 |
| Free choice of doctor | CHF 699.10 | CHF 687.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.3 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.