Helsana or CONCORDIA in Region 2 of canton St. Gallen?
In Region 2, CONCORDIA is CHF 31.20 a year cheaper than Helsana 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 456.00 a month, Helsana to CHF 458.60. The gap is CHF 31.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to CONCORDIA is worth CHF 436.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and CONCORDIA ranks 7, out of 25 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 | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 546.00 | CHF 533.30 | + 12.70 |
| 500 | CHF 534.40 | CHF 521.70 | + 12.70 |
| 1'000 | CHF 505.20 | CHF 492.50 | + 12.70 |
| 1'500 | CHF 476.00 | CHF 463.30 | + 12.70 |
| 2'000 | CHF 446.90 | CHF 434.20 | + 12.70 |
| 2'500 | CHF 417.70 | CHF 405.00 | + 12.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 474.70 |
| Other model | CHF 480.40 | CHF 461.40 |
| Free choice of doctor | CHF 546.00 | CHF 533.30 |
| HMO practice | — | CHF 456.00 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.