CONCORDIA or Mutuel in Region 2 of canton St. Gallen?
In Region 2, CONCORDIA is CHF 416.40 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 456.00 a month, Mutuel to CHF 490.70. The gap is CHF 416.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to CONCORDIA is worth CHF 436.80 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 7 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 533.30 | CHF 560.70 | − 27.40 |
| 500 | CHF 521.70 | CHF 549.20 | − 27.50 |
| 1'000 | CHF 492.50 | CHF 520.20 | − 27.70 |
| 1'500 | CHF 463.30 | CHF 490.70 | − 27.40 |
| 2'000 | CHF 434.20 | CHF 461.70 | − 27.50 |
| 2'500 | CHF 405.00 | CHF 432.70 | − 27.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 456.00 | CHF 493.50 |
| Other model | CHF 461.40 | CHF 490.70 |
| Family doctor | CHF 474.70 | CHF 510.30 |
| Free choice of doctor | CHF 533.30 | CHF 560.70 |
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.