CONCORDIA or ÖKK in Region 2 of canton Fribourg?
In Region 2, ÖKK is CHF 57.60 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 477.90 a month, CONCORDIA to CHF 482.70. The gap is CHF 57.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 450.00 a month. Moving there rather than to ÖKK is worth CHF 334.80 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 15 and ÖKK ranks 8, out of 23 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 558.00 | CHF 531.00 | + 27.00 |
| 500 | CHF 546.40 | CHF 519.40 | + 27.00 |
| 1'000 | CHF 517.20 | CHF 490.20 | + 27.00 |
| 1'500 | CHF 488.00 | CHF 461.00 | + 27.00 |
| 2'000 | CHF 458.90 | CHF 431.90 | + 27.00 |
| 2'500 | CHF 429.70 | CHF 402.70 | + 27.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | ÖKK |
|---|---|---|
| Other model | CHF 482.70 | CHF 477.90 |
| HMO practice | CHF 482.70 | CHF 477.90 |
| Family doctor | CHF 491.10 | CHF 477.90 |
| Free choice of doctor | CHF 558.00 | CHF 531.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 8.9 % and ÖKK by + 5.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.