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CONCORDIA or Mutuel in Region 2 of canton Bern?

In Region 2, CONCORDIA is CHF 282.00 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 529.60 a month, Mutuel to CHF 553.10. The gap is CHF 282.00 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to CONCORDIA is worth CHF 432.00 more a year. Visana

Where they stand in the region

CONCORDIA ranks 14 and Mutuel ranks 23, 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.

DeductibleCONCORDIAMutuelGap
300CHF 626.70CHF 632.10− 5.40
500CHF 615.10CHF 620.60− 5.50
1'000CHF 585.90CHF 591.60− 5.70
1'500CHF 556.70CHF 562.10− 5.40
2'000CHF 527.60CHF 533.10− 5.50
2'500CHF 498.40CHF 504.10− 5.70

Model by model

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

ModelCONCORDIAMutuel
HMO practiceCHF 529.60CHF 556.20
Other modelCHF 542.10CHF 553.10
Family doctorCHF 564.10CHF 575.20
Free choice of doctorCHF 626.70CHF 632.10

How they moved in this region

Against 2025, CONCORDIA moves by + 9.9 % and Mutuel by + 3.7 % in this region.

CONCORDIA, Mutuel, 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.