Helsana or CONCORDIA in Region 1 of canton Ticino?
In Region 1, CONCORDIA is CHF 188.40 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 613.40 a month, Helsana to CHF 629.10. The gap is CHF 188.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to CONCORDIA is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 9 and CONCORDIA ranks 5, out of 21 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 749.00 | CHF 725.90 | + 23.10 |
| 500 | CHF 737.40 | CHF 714.30 | + 23.10 |
| 1'000 | CHF 708.20 | CHF 685.10 | + 23.10 |
| 1'500 | CHF 679.00 | CHF 655.90 | + 23.10 |
| 2'000 | CHF 649.90 | CHF 626.80 | + 23.10 |
| 2'500 | CHF 620.70 | CHF 597.60 | + 23.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 629.10 | CHF 624.30 |
| Family doctor | CHF 636.60 | CHF 646.10 |
| Free choice of doctor | CHF 749.00 | CHF 725.90 |
| HMO practice | — | CHF 613.40 |
How they moved in this region
Against 2025, Helsana moves by + 9.2 % and CONCORDIA by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.