CONCORDIA or Mutuel in Region 3 of canton Bern?
In Region 3, CONCORDIA is CHF 400.80 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 495.60 a month, Mutuel to CHF 529.00. The gap is CHF 400.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to CONCORDIA is worth CHF 577.20 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 12 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.
| Deductible | CONCORDIA | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 586.40 | CHF 604.60 | − 18.20 |
| 500 | CHF 574.80 | CHF 593.10 | − 18.30 |
| 1'000 | CHF 545.60 | CHF 564.10 | − 18.50 |
| 1'500 | CHF 516.40 | CHF 534.60 | − 18.20 |
| 2'000 | CHF 487.30 | CHF 505.60 | − 18.30 |
| 2'500 | CHF 458.10 | CHF 476.60 | − 18.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 495.60 | CHF 532.10 |
| Other model | CHF 507.30 | CHF 529.00 |
| Family doctor | CHF 527.80 | CHF 550.20 |
| Free choice of doctor | CHF 586.40 | CHF 604.60 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.