CSS or CONCORDIA in Region 3 of canton St. Gallen?
In Region 3, 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 441.10 a month, CSS to CHF 446.30. 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 Agrisano, at CHF 401.60 a month. Moving there rather than to CONCORDIA is worth CHF 474.00 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and CONCORDIA ranks 6, 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 516.00 | CHF 515.80 | + 0.20 |
| 500 | CHF 504.40 | CHF 504.20 | + 0.20 |
| 1'000 | CHF 475.20 | CHF 475.00 | + 0.20 |
| 1'500 | CHF 446.00 | CHF 445.80 | + 0.20 |
| 2'000 | CHF 416.90 | CHF 416.70 | + 0.20 |
| 2'500 | CHF 387.70 | CHF 387.50 | + 0.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 459.10 |
| Other model | CHF 461.80 | CHF 446.20 |
| Free choice of doctor | CHF 516.00 | CHF 515.80 |
| HMO practice | — | CHF 441.10 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.