CONCORDIA or ÖKK in Region 2 of canton Bern?
In Region 2, ÖKK is CHF 314.40 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 503.40 a month, CONCORDIA to CHF 529.60. The gap is CHF 314.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to ÖKK is worth CHF 117.60 more a year. Visana
Where they stand in the region
CONCORDIA ranks 14 and ÖKK ranks 3, out of 26 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 626.70 | CHF 572.00 | + 54.70 |
| 500 | CHF 615.10 | CHF 560.40 | + 54.70 |
| 1'000 | CHF 585.90 | CHF 531.20 | + 54.70 |
| 1'500 | CHF 556.70 | CHF 502.00 | + 54.70 |
| 2'000 | CHF 527.60 | CHF 472.90 | + 54.70 |
| 2'500 | CHF 498.40 | CHF 443.70 | + 54.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| HMO practice | CHF 529.60 | CHF 503.40 |
| Other model | CHF 542.10 | CHF 514.80 |
| Family doctor | CHF 564.10 | CHF 514.80 |
| Free choice of doctor | CHF 626.70 | CHF 572.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and ÖKK by + 4.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.