CONCORDIA or Mutuel in Region 2 of canton Zurich?
In Region 2, CONCORDIA is CHF 468.00 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 492.30 a month, Mutuel to CHF 531.30. The gap is CHF 468.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to CONCORDIA is worth CHF 292.80 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 7 and Mutuel ranks 23, 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 575.70 | CHF 614.30 | − 38.60 |
| 500 | CHF 564.10 | CHF 602.80 | − 38.70 |
| 1'000 | CHF 534.90 | CHF 573.80 | − 38.90 |
| 1'500 | CHF 505.70 | CHF 544.30 | − 38.60 |
| 2'000 | CHF 476.60 | CHF 515.30 | − 38.70 |
| 2'500 | CHF 447.40 | CHF 486.30 | − 38.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| HMO practice | CHF 492.30 | CHF 540.60 |
| Other model | CHF 500.90 | CHF 531.30 |
| Family doctor | CHF 509.50 | CHF 559.00 |
| Free choice of doctor | CHF 575.70 | CHF 614.30 |
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.