CONCORDIA or Mutuel in Region 2 of canton Vaud?
In Region 2, CONCORDIA is CHF 168.00 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 566.50 a month, Mutuel to CHF 580.50. The gap is CHF 168.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to CONCORDIA is worth CHF 350.40 more a year. Assura-Basis
Where they stand in the region
CONCORDIA ranks 15 and Mutuel ranks 17, 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 654.80 | CHF 675.00 | − 20.20 |
| 500 | CHF 643.20 | CHF 663.50 | − 20.30 |
| 1'000 | CHF 614.00 | CHF 634.50 | − 20.50 |
| 1'500 | CHF 584.80 | CHF 605.00 | − 20.20 |
| 2'000 | CHF 555.70 | CHF 576.00 | − 20.30 |
| 2'500 | CHF 526.50 | CHF 547.00 | − 20.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 566.50 | CHF 580.50 |
| HMO practice | CHF 566.50 | CHF 594.00 |
| Family doctor | CHF 579.50 | CHF 614.20 |
| Free choice of doctor | CHF 654.80 | CHF 675.00 |
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.