CSS or CONCORDIA in Region 1 of canton Valais?
In Region 1, CONCORDIA is CHF 20.40 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 498.00 a month, CSS to CHF 499.70. The gap is CHF 20.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to CONCORDIA is worth CHF 201.60 more a year. Atupri
Where they stand in the region
CSS ranks 10 and CONCORDIA ranks 6, 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 581.00 | CHF 575.70 | + 5.30 |
| 500 | CHF 569.40 | CHF 564.10 | + 5.30 |
| 1'000 | CHF 540.20 | CHF 534.90 | + 5.30 |
| 1'500 | CHF 511.00 | CHF 505.70 | + 5.30 |
| 2'000 | CHF 481.90 | CHF 476.60 | + 5.30 |
| 2'500 | CHF 452.70 | CHF 447.40 | + 5.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 499.70 | CHF 512.40 |
| Other model | CHF 520.00 | CHF 498.00 |
| Free choice of doctor | CHF 581.00 | CHF 575.70 |
| HMO practice | — | CHF 498.00 |
How they moved in this region
Against 2025, CSS moves by + 4.8 % and CONCORDIA by + 8.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.