CONCORDIA in the canton of Bern — 2026 premiums
CONCORDIA covers the 334 municipalities of the canton of Bern. Its lowest adult premium there is CHF 495.60 a month, with a 300-franc deductible and accident cover included.
Where it stands
CONCORDIA ranks 12 out of 26 active insurers in the canton of Bern, cheapest to dearest.
The cantonal average across all insurers is CHF 501.58 a month.
What switching would save you
Moving from CONCORDIA to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 577.20 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Bern
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 1 | 15 | Bern, Biel/Bienne, Bolligen, Bremgarten bei Bern | CHF 590.80 |
| 2 | 212 | Aarberg, Aefligen, Aegerten, Alchenstorf | CHF 529.60 |
| 3 | 107 | Aarwangen, Adelboden, Aeschi bei Spiez, Affoltern im Emmental | CHF 495.60 |
The models offered by CONCORDIA
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — HMO | CHF 590.80 |
| Other model — smartDoc | CHF 604.80 |
| Family doctor — MyDoc | CHF 629.20 |
| Free choice of doctor — Grundversicherung | CHF 699.10 |
The other insurers in the canton of Bern
26 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 447.50 | View |
| Visana AG | CHF 465.50 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 477.00 | View |
| Sumiswalder Krankenkasse | CHF 481.30 | View |
| Helsana Assurances SA | CHF 483.60 | View |
| SWICA Assurance-maladie SA | CHF 485.90 | View |
| sana24 AG | CHF 487.80 | View |
| KPT Caisse-maladie SA | CHF 488.10 | View |
| Aquilana Versicherungen | CHF 491.00 | View |
| EGK Grundversicherungen AG | CHF 491.10 | View |
| Sanitas Grundversicherungen AG | CHF 495.45 | View |
| Krankenkasse Luzerner Hinterland | CHF 496.85 | View |
| CSS Assurance-maladie SA | CHF 497.00 | View |
| sodalis gesundheitsgruppe | CHF 498.00 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 498.30 | View |
| Assura-Basis SA | CHF 502.30 | View |
| Genossenschaft Krankenkasse Steffisburg | CHF 506.60 | View |
| Galenos AG | CHF 507.20 | View |
| Avenir Assurance | CHF 509.60 | View |
| Atupri Assurance de la santé SA | CHF 510.70 | View |
| Vivao Sympany SA | CHF 513.10 | View |
| Mutuel Assurance | CHF 529.00 | View |
| Philos Assurance | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.