CONCORDIA or ÖKK in Region 3 of canton Bern?
In Region 3, ÖKK is CHF 223.20 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 477.00 a month, CONCORDIA to CHF 495.60. The gap is CHF 223.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to ÖKK is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 12 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 586.40 | CHF 542.00 | + 44.40 |
| 500 | CHF 574.80 | CHF 530.40 | + 44.40 |
| 1'000 | CHF 545.60 | CHF 501.20 | + 44.40 |
| 1'500 | CHF 516.40 | CHF 472.00 | + 44.40 |
| 2'000 | CHF 487.30 | CHF 442.90 | + 44.40 |
| 2'500 | CHF 458.10 | CHF 413.70 | + 44.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| HMO practice | CHF 495.60 | CHF 477.00 |
| Other model | CHF 507.30 | CHF 487.80 |
| Family doctor | CHF 527.80 | CHF 487.80 |
| Free choice of doctor | CHF 586.40 | CHF 542.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 9.9 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.