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CONCORDIA or ÖKK in Region 3 of canton Zurich?

In Region 3, ÖKK is CHF 97.20 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 453.10 a month, CONCORDIA to CHF 461.20. The gap is CHF 97.20 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to ÖKK is worth CHF 303.60 more a year. Agrisano

Where they stand in the region

CONCORDIA ranks 8 and ÖKK ranks 6, 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.

DeductibleCONCORDIAÖKKGap
300CHF 539.30CHF 509.00+ 30.30
500CHF 527.70CHF 497.40+ 30.30
1'000CHF 498.50CHF 468.20+ 30.30
1'500CHF 469.30CHF 439.00+ 30.30
2'000CHF 440.20CHF 409.90+ 30.30
2'500CHF 411.00CHF 380.70+ 30.30

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCONCORDIAÖKK
HMO practiceCHF 461.20CHF 453.10
Other modelCHF 469.20CHF 465.80
Family doctorCHF 477.30CHF 458.10
Free choice of doctorCHF 539.30CHF 509.00

How they moved in this region

Against 2025, CONCORDIA moves by + 7.3 % and ÖKK by + 6.7 % in this region.

CONCORDIA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.