CONCORDIA or ÖKK?
Basic benefits are identical at CONCORDIA and ÖKK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CONCORDIA is cheaper in 23 of 42 premium regions.
On average, CONCORDIA costs CHF 3 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CONCORDIA | ÖKK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 480.70 | CHF 500.30 | CHF -19.60 |
| Appenzell Innerrhoden | single | CHF 378.00 | CHF 367.20 | +CHF 10.80 |
| Appenzell Ausserrhoden | single | CHF 456.20 | CHF 436.80 | +CHF 19.40 |
| Bern | 1 | CHF 590.80 | CHF 585.20 | +CHF 5.60 |
| Bern | 2 | CHF 529.60 | CHF 503.40 | +CHF 26.20 |
| Bern | 3 | CHF 495.60 | CHF 477.00 | +CHF 18.60 |
| Basel-Landschaft | 1 | CHF 593.30 | CHF 560.70 | +CHF 32.60 |
| Basel-Landschaft | 2 | CHF 555.30 | CHF 520.70 | +CHF 34.60 |
| Basel-Stadt | single | CHF 593.20 | CHF 610.80 | CHF -17.60 |
| Fribourg | 1 | CHF 513.60 | CHF 520.20 | CHF -6.60 |
| Fribourg | 2 | CHF 482.70 | CHF 477.90 | +CHF 4.80 |
| Geneva | single | CHF 632.30 | CHF 656.80 | CHF -24.50 |
| Glarus | single | CHF 452.40 | CHF 477.00 | CHF -24.60 |
| Grisons | 1 | CHF 461.70 | CHF 463.50 | CHF -1.80 |
| Grisons | 2 | CHF 445.60 | CHF 435.60 | +CHF 10.00 |
| Grisons | 3 | CHF 426.20 | CHF 425.70 | +CHF 0.50 |
| Jura | single | CHF 594.00 | CHF 601.30 | CHF -7.30 |
| Lucerne | 1 | CHF 476.00 | CHF 481.40 | CHF -5.40 |
| Lucerne | 2 | CHF 447.40 | CHF 458.50 | CHF -11.10 |
| Lucerne | 3 | CHF 435.20 | CHF 446.20 | CHF -11.00 |
| Neuchâtel | single | CHF 608.90 | CHF 607.50 | +CHF 1.40 |
| Nidwalden | single | CHF 426.40 | CHF 427.20 | CHF -0.80 |
| Obwalden | single | CHF 414.90 | CHF 427.20 | CHF -12.30 |
| St. Gallen | 1 | CHF 486.70 | CHF 485.80 | +CHF 0.90 |
| St. Gallen | 2 | CHF 456.00 | CHF 455.90 | +CHF 0.10 |
| St. Gallen | 3 | CHF 441.10 | CHF 447.10 | CHF -6.00 |
| Schaffhausen | 1 | CHF 502.30 | CHF 480.30 | +CHF 22.00 |
| Schaffhausen | 2 | CHF 469.60 | CHF 448.10 | +CHF 21.50 |
| Solothurn | single | CHF 507.10 | CHF 514.20 | CHF -7.10 |
| Schwyz | single | CHF 435.80 | CHF 441.80 | CHF -6.00 |
| Thurgau | single | CHF 458.90 | CHF 464.70 | CHF -5.80 |
| Ticino | 1 | CHF 613.40 | CHF 637.80 | CHF -24.40 |
| Ticino | 2 | CHF 571.60 | CHF 574.20 | CHF -2.60 |
| Uri | single | CHF 421.50 | CHF 413.30 | +CHF 8.20 |
| Vaud | 1 | CHF 596.70 | CHF 594.00 | +CHF 2.70 |
| Vaud | 2 | CHF 566.50 | CHF 567.00 | CHF -0.50 |
| Valais | 1 | CHF 498.00 | CHF 499.50 | CHF -1.50 |
| Valais | 2 | CHF 450.70 | CHF 432.00 | +CHF 18.70 |
| Zug | single | CHF 335.70 | CHF 379.40 | CHF -43.70 |
| Zurich | 1 | CHF 544.00 | CHF 556.30 | CHF -12.30 |
| Zurich | 2 | CHF 492.30 | CHF 496.70 | CHF -4.40 |
| Zurich | 3 | CHF 461.20 | CHF 453.10 | +CHF 8.10 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.