CONCORDIA or Mutuel in Region 1 of canton Zurich?
In Region 1, CONCORDIA is CHF 114.00 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 544.00 a month, Mutuel to CHF 553.50. The gap is CHF 114.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to CONCORDIA is worth CHF 315.60 more a year. Atupri
Where they stand in the region
CONCORDIA ranks 10 and Mutuel ranks 11, out of 27 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 636.20 | CHF 639.80 | − 3.60 |
| 500 | CHF 624.60 | CHF 628.30 | − 3.70 |
| 1'000 | CHF 595.40 | CHF 599.30 | − 3.90 |
| 1'500 | CHF 566.20 | CHF 569.80 | − 3.60 |
| 2'000 | CHF 537.10 | CHF 540.80 | − 3.70 |
| 2'500 | CHF 507.90 | CHF 511.80 | − 3.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 544.00 | CHF 563.10 |
| Other model | CHF 553.50 | CHF 553.50 |
| Family doctor | CHF 563.10 | CHF 582.30 |
| Free choice of doctor | CHF 636.20 | CHF 639.80 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.3 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.