CSS or CONCORDIA?
Basic benefits are identical at CSS and CONCORDIA — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CONCORDIA is cheaper in 23 of 42 premium regions.
On average, CONCORDIA costs CHF 13 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | CONCORDIA | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 480.70 | +CHF 6.30 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 378.00 | CHF -8.20 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 456.20 | +CHF 19.00 |
| Bern | 1 | CHF 577.10 | CHF 590.80 | CHF -13.70 |
| Bern | 2 | CHF 513.80 | CHF 529.60 | CHF -15.80 |
| Bern | 3 | CHF 497.00 | CHF 495.60 | +CHF 1.40 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 593.30 | CHF -34.20 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 555.30 | CHF -32.40 |
| Basel-Stadt | single | CHF 575.90 | CHF 593.20 | CHF -17.30 |
| Fribourg | 1 | CHF 522.00 | CHF 513.60 | +CHF 8.40 |
| Fribourg | 2 | CHF 479.40 | CHF 482.70 | CHF -3.30 |
| Geneva | single | CHF 609.30 | CHF 632.30 | CHF -23.00 |
| Glarus | single | CHF 501.10 | CHF 452.40 | +CHF 48.70 |
| Grisons | 1 | CHF 473.90 | CHF 461.70 | +CHF 12.20 |
| Grisons | 2 | CHF 449.70 | CHF 445.60 | +CHF 4.10 |
| Grisons | 3 | CHF 427.60 | CHF 426.20 | +CHF 1.40 |
| Jura | single | CHF 566.20 | CHF 594.00 | CHF -27.80 |
| Lucerne | 1 | CHF 473.80 | CHF 476.00 | CHF -2.20 |
| Lucerne | 2 | CHF 441.70 | CHF 447.40 | CHF -5.70 |
| Lucerne | 3 | CHF 438.60 | CHF 435.20 | +CHF 3.40 |
| Neuchâtel | single | CHF 594.20 | CHF 608.90 | CHF -14.70 |
| Nidwalden | single | CHF 443.60 | CHF 426.40 | +CHF 17.20 |
| Obwalden | single | CHF 434.00 | CHF 414.90 | +CHF 19.10 |
| St. Gallen | 1 | CHF 491.90 | CHF 486.70 | +CHF 5.20 |
| St. Gallen | 2 | CHF 444.40 | CHF 456.00 | CHF -11.60 |
| St. Gallen | 3 | CHF 446.30 | CHF 441.10 | +CHF 5.20 |
| Schaffhausen | 1 | CHF 535.10 | CHF 502.30 | +CHF 32.80 |
| Schaffhausen | 2 | CHF 514.50 | CHF 469.60 | +CHF 44.90 |
| Solothurn | single | CHF 516.30 | CHF 507.10 | +CHF 9.20 |
| Schwyz | single | CHF 445.50 | CHF 435.80 | +CHF 9.70 |
| Thurgau | single | CHF 459.90 | CHF 458.90 | +CHF 1.00 |
| Ticino | 1 | CHF 621.20 | CHF 613.40 | +CHF 7.80 |
| Ticino | 2 | CHF 609.80 | CHF 571.60 | +CHF 38.20 |
| Uri | single | CHF 400.80 | CHF 421.50 | CHF -20.70 |
| Vaud | 1 | CHF 575.90 | CHF 596.70 | CHF -20.80 |
| Vaud | 2 | CHF 554.40 | CHF 566.50 | CHF -12.10 |
| Valais | 1 | CHF 499.70 | CHF 498.00 | +CHF 1.70 |
| Valais | 2 | CHF 447.20 | CHF 450.70 | CHF -3.50 |
| Zug | single | CHF 361.70 | CHF 335.70 | +CHF 26.00 |
| Zurich | 1 | CHF 530.60 | CHF 544.00 | CHF -13.40 |
| Zurich | 2 | CHF 484.60 | CHF 492.30 | CHF -7.70 |
| Zurich | 3 | CHF 472.40 | CHF 461.20 | +CHF 11.20 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.