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Helsana or CONCORDIA in Region 2 of canton Bern?

In Region 2, Helsana is CHF 255.60 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 508.30 a month, CONCORDIA to CHF 529.60. The gap is CHF 255.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Helsana is worth CHF 176.40 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 598.00CHF 626.70− 28.70
500CHF 586.40CHF 615.10− 28.70
1'000CHF 557.20CHF 585.90− 28.70
1'500CHF 528.00CHF 556.70− 28.70
2'000CHF 498.90CHF 527.60− 28.70
2'500CHF 469.70CHF 498.40− 28.70

Model by model

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

ModelHelsanaCONCORDIA
Family doctorCHF 508.30CHF 564.10
Other modelCHF 520.20CHF 542.10
Free choice of doctorCHF 598.00CHF 626.70
HMO practice—CHF 529.60

How they moved in this region

Against 2025, Helsana moves by + 3.5 % and CONCORDIA by + 9.9 % 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.