CSS or CONCORDIA in Region 2 of canton Valais?
In Region 2, CSS is CHF 42.00 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 447.20 a month, CONCORDIA to CHF 450.70. The gap is CHF 42.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to CSS is worth CHF 490.80 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and CONCORDIA ranks 15, out of 28 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 520.00 | CHF 521.00 | − 1.00 |
| 500 | CHF 508.40 | CHF 509.40 | − 1.00 |
| 1'000 | CHF 479.20 | CHF 480.20 | − 1.00 |
| 1'500 | CHF 450.00 | CHF 451.00 | − 1.00 |
| 2'000 | CHF 420.90 | CHF 421.90 | − 1.00 |
| 2'500 | CHF 391.70 | CHF 392.70 | − 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 447.20 | CHF 463.70 |
| Other model | CHF 468.00 | CHF 450.70 |
| Free choice of doctor | CHF 520.00 | CHF 521.00 |
| HMO practice | — | CHF 450.70 |
How they moved in this region
Against 2025, CSS moves by + 3.4 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.