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Helsana or CONCORDIA in Region 1 of canton Bern?

In Region 1, Helsana is CHF 502.80 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

Helsana comes down to CHF 548.90 a month, CONCORDIA to CHF 590.80. The gap is CHF 502.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to Helsana is worth CHF 105.60 more a year. Visana

Where they stand in the region

Helsana ranks 4 and CONCORDIA ranks 14, 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.

DeductibleHelsanaCONCORDIAGap
300CHF 631.00CHF 699.10− 68.10
500CHF 619.40CHF 687.50− 68.10
1'000CHF 590.20CHF 658.30− 68.10
1'500CHF 561.00CHF 629.10− 68.10
2'000CHF 531.90CHF 600.00− 68.10
2'500CHF 502.70CHF 570.80− 68.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelHelsanaCONCORDIA
Other modelCHF 548.90CHF 604.80
Family doctorCHF 548.90CHF 629.20
Free choice of doctorCHF 631.00CHF 699.10
HMO practice—CHF 590.80

How they moved in this region

Against 2025, Helsana moves by + 3.8 % and CONCORDIA by + 9.3 % in this region.

Helsana, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.