CSS or CONCORDIA in Region 1 of canton St. Gallen?
In Region 1, CONCORDIA is CHF 62.40 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 486.70 a month, CSS to CHF 491.90. The gap is CHF 62.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CONCORDIA is worth CHF 84.60 more a year. Sanitas
Where they stand in the region
CSS ranks 11 and CONCORDIA ranks 8, out of 25 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 572.00 | CHF 569.20 | + 2.80 |
| 500 | CHF 560.40 | CHF 557.60 | + 2.80 |
| 1'000 | CHF 531.20 | CHF 528.40 | + 2.80 |
| 1'500 | CHF 502.00 | CHF 499.20 | + 2.80 |
| 2'000 | CHF 472.90 | CHF 470.10 | + 2.80 |
| 2'500 | CHF 443.70 | CHF 440.90 | + 2.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 491.90 | CHF 506.60 |
| Other model | CHF 517.70 | CHF 492.40 |
| Free choice of doctor | CHF 572.00 | CHF 569.20 |
| HMO practice | — | CHF 486.70 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.