CONCORDIA or Mutuel in Region 1 of canton St. Gallen?
In Region 1, CONCORDIA is CHF 490.80 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 486.70 a month, Mutuel to CHF 527.60. The gap is CHF 490.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CONCORDIA is worth CHF 84.60 more a year. Sanitas
Where they stand in the region
CONCORDIA ranks 8 and Mutuel ranks 19, out of 25 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 569.20 | CHF 602.90 | − 33.70 |
| 500 | CHF 557.60 | CHF 591.40 | − 33.80 |
| 1'000 | CHF 528.40 | CHF 562.40 | − 34.00 |
| 1'500 | CHF 499.20 | CHF 532.90 | − 33.70 |
| 2'000 | CHF 470.10 | CHF 503.90 | − 33.80 |
| 2'500 | CHF 440.90 | CHF 474.90 | − 34.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 486.70 | CHF 530.60 |
| Other model | CHF 492.40 | CHF 527.60 |
| Family doctor | CHF 506.60 | CHF 548.70 |
| Free choice of doctor | CHF 569.20 | CHF 602.90 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.2 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.