CSS or CONCORDIA in Region 2 of canton Ticino?
In Region 2, CONCORDIA is CHF 458.40 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 571.60 a month, CSS to CHF 609.80. The gap is CHF 458.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to CONCORDIA is worth CHF 391.20 more a year. Agrisano
Where they stand in the region
CSS ranks 13 and CONCORDIA ranks 5, out of 21 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 705.00 | CHF 676.40 | + 28.60 |
| 500 | CHF 693.40 | CHF 664.80 | + 28.60 |
| 1'000 | CHF 664.20 | CHF 635.60 | + 28.60 |
| 1'500 | CHF 635.00 | CHF 606.40 | + 28.60 |
| 2'000 | CHF 605.90 | CHF 577.30 | + 28.60 |
| 2'500 | CHF 576.70 | CHF 548.10 | + 28.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 609.80 | CHF 602.00 |
| Other model | CHF 638.00 | CHF 581.80 |
| Free choice of doctor | CHF 705.00 | CHF 676.40 |
| HMO practice | — | CHF 571.60 |
How they moved in this region
Against 2025, CSS moves by + 7.7 % and CONCORDIA by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.