CSS or CONCORDIA in Region 3 of canton Zurich?
In Region 3, CONCORDIA is CHF 134.40 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 461.20 a month, CSS to CHF 472.40. The gap is CHF 134.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CONCORDIA is worth CHF 400.80 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and CONCORDIA ranks 8, out of 27 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 559.00 | CHF 539.30 | + 19.70 |
| 500 | CHF 547.40 | CHF 527.70 | + 19.70 |
| 1'000 | CHF 518.20 | CHF 498.50 | + 19.70 |
| 1'500 | CHF 489.00 | CHF 469.30 | + 19.70 |
| 2'000 | CHF 459.90 | CHF 440.20 | + 19.70 |
| 2'500 | CHF 430.70 | CHF 411.00 | + 19.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 477.30 |
| Other model | CHF 505.90 | CHF 469.20 |
| Free choice of doctor | CHF 559.00 | CHF 539.30 |
| HMO practice | — | CHF 461.20 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.