Helsana or CONCORDIA?
Basic benefits are identical at Helsana and CONCORDIA — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Neither dominates: Helsana and CONCORDIA split Switzerland almost evenly.
On average, Helsana costs CHF 3 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | CONCORDIA | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 480.70 | +CHF 3.10 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 378.00 | +CHF 41.90 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 456.20 | +CHF 12.10 |
| Bern | 1 | CHF 548.90 | CHF 590.80 | CHF -41.90 |
| Bern | 2 | CHF 508.30 | CHF 529.60 | CHF -21.30 |
| Bern | 3 | CHF 483.60 | CHF 495.60 | CHF -12.00 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 593.30 | CHF -21.30 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 555.30 | CHF -24.10 |
| Basel-Stadt | single | CHF 581.40 | CHF 593.20 | CHF -11.80 |
| Fribourg | 1 | CHF 501.90 | CHF 513.60 | CHF -11.70 |
| Fribourg | 2 | CHF 477.70 | CHF 482.70 | CHF -5.00 |
| Geneva | single | CHF 613.70 | CHF 632.30 | CHF -18.60 |
| Glarus | single | CHF 466.10 | CHF 452.40 | +CHF 13.70 |
| Grisons | 1 | CHF 479.00 | CHF 461.70 | +CHF 17.30 |
| Grisons | 2 | CHF 453.00 | CHF 445.60 | +CHF 7.40 |
| Grisons | 3 | CHF 441.80 | CHF 426.20 | +CHF 15.60 |
| Jura | single | CHF 578.80 | CHF 594.00 | CHF -15.20 |
| Lucerne | 1 | CHF 472.00 | CHF 476.00 | CHF -4.00 |
| Lucerne | 2 | CHF 458.60 | CHF 447.40 | +CHF 11.20 |
| Lucerne | 3 | CHF 450.20 | CHF 435.20 | +CHF 15.00 |
| Neuchâtel | single | CHF 568.40 | CHF 608.90 | CHF -40.50 |
| Nidwalden | single | CHF 434.30 | CHF 426.40 | +CHF 7.90 |
| Obwalden | single | CHF 429.20 | CHF 414.90 | +CHF 14.30 |
| St. Gallen | 1 | CHF 483.60 | CHF 486.70 | CHF -3.10 |
| St. Gallen | 2 | CHF 458.60 | CHF 456.00 | +CHF 2.60 |
| St. Gallen | 3 | CHF 441.80 | CHF 441.10 | +CHF 0.70 |
| Schaffhausen | 1 | CHF 486.30 | CHF 502.30 | CHF -16.00 |
| Schaffhausen | 2 | CHF 491.30 | CHF 469.60 | +CHF 21.70 |
| Solothurn | single | CHF 506.30 | CHF 507.10 | CHF -0.80 |
| Schwyz | single | CHF 462.40 | CHF 435.80 | +CHF 26.60 |
| Thurgau | single | CHF 474.30 | CHF 458.90 | +CHF 15.40 |
| Ticino | 1 | CHF 629.10 | CHF 613.40 | +CHF 15.70 |
| Ticino | 2 | CHF 565.80 | CHF 571.60 | CHF -5.80 |
| Uri | single | CHF 431.80 | CHF 421.50 | +CHF 10.30 |
| Vaud | 1 | CHF 580.10 | CHF 596.70 | CHF -16.60 |
| Vaud | 2 | CHF 560.10 | CHF 566.50 | CHF -6.40 |
| Valais | 1 | CHF 498.10 | CHF 498.00 | +CHF 0.10 |
| Valais | 2 | CHF 440.30 | CHF 450.70 | CHF -10.40 |
| Zug | single | CHF 365.50 | CHF 335.70 | +CHF 29.80 |
| Zurich | 1 | CHF 533.60 | CHF 544.00 | CHF -10.40 |
| Zurich | 2 | CHF 493.80 | CHF 492.30 | +CHF 1.50 |
| Zurich | 3 | CHF 464.80 | CHF 461.20 | +CHF 3.60 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.