Helsana or CONCORDIA in Region 1 of canton Valais?
In Region 1, CONCORDIA is CHF 1.20 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 498.00 a month, Helsana to CHF 498.10. The gap is CHF 1.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to CONCORDIA is worth CHF 201.60 more a year. Atupri
Where they stand in the region
Helsana ranks 7 and CONCORDIA ranks 6, 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.
| Deductible | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 593.00 | CHF 575.70 | + 17.30 |
| 500 | CHF 581.40 | CHF 564.10 | + 17.30 |
| 1'000 | CHF 552.20 | CHF 534.90 | + 17.30 |
| 1'500 | CHF 523.00 | CHF 505.70 | + 17.30 |
| 2'000 | CHF 493.90 | CHF 476.60 | + 17.30 |
| 2'500 | CHF 464.70 | CHF 447.40 | + 17.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 498.10 | CHF 498.00 |
| Family doctor | CHF 498.10 | CHF 512.40 |
| Free choice of doctor | CHF 593.00 | CHF 575.70 |
| HMO practice | — | CHF 498.00 |
How they moved in this region
Against 2025, Helsana moves by + 5.8 % and CONCORDIA by + 8.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.