CONCORDIA or Mutuel in Region 1 of canton Vaud?
In Region 1, CONCORDIA is CHF 249.60 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 596.70 a month, Mutuel to CHF 617.50. The gap is CHF 249.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to CONCORDIA is worth CHF 319.20 more a year. Atupri
Where they stand in the region
CONCORDIA ranks 12 and Mutuel ranks 15, out of 21 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 689.80 | CHF 718.00 | − 28.20 |
| 500 | CHF 678.20 | CHF 706.50 | − 28.30 |
| 1'000 | CHF 649.00 | CHF 677.50 | − 28.50 |
| 1'500 | CHF 619.80 | CHF 648.00 | − 28.20 |
| 2'000 | CHF 590.70 | CHF 619.00 | − 28.30 |
| 2'500 | CHF 561.50 | CHF 590.00 | − 28.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 596.70 | CHF 617.50 |
| HMO practice | CHF 596.70 | CHF 631.90 |
| Family doctor | CHF 610.50 | CHF 653.40 |
| Free choice of doctor | CHF 689.80 | CHF 718.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 6.7 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.