CSS or CONCORDIA in Region 3 of canton Bern?
In Region 3, CONCORDIA is CHF 16.80 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 495.60 a month, CSS to CHF 497.00. The gap is CHF 16.80 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 CONCORDIA is worth CHF 577.20 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and CONCORDIA ranks 12, 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 | CSS | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 570.00 | CHF 586.40 | − 16.40 |
| 500 | CHF 558.40 | CHF 574.80 | − 16.40 |
| 1'000 | CHF 529.20 | CHF 545.60 | − 16.40 |
| 1'500 | CHF 500.00 | CHF 516.40 | − 16.40 |
| 2'000 | CHF 470.90 | CHF 487.30 | − 16.40 |
| 2'500 | CHF 441.70 | CHF 458.10 | − 16.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 527.80 |
| Other model | CHF 513.00 | CHF 507.30 |
| Free choice of doctor | CHF 570.00 | CHF 586.40 |
| HMO practice | — | CHF 495.60 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and CONCORDIA by + 9.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.