Helsana or CONCORDIA in Region 2 of canton Vaud?
In Region 2, Helsana is CHF 76.80 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 560.10 a month, CONCORDIA to CHF 566.50. The gap is CHF 76.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to Helsana is worth CHF 273.60 more a year. Assura-Basis
Where they stand in the region
Helsana ranks 10 and CONCORDIA ranks 15, 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 659.00 | CHF 654.80 | + 4.20 |
| 500 | CHF 647.40 | CHF 643.20 | + 4.20 |
| 1'000 | CHF 618.20 | CHF 614.00 | + 4.20 |
| 1'500 | CHF 589.00 | CHF 584.80 | + 4.20 |
| 2'000 | CHF 559.90 | CHF 555.70 | + 4.20 |
| 2'500 | CHF 530.70 | CHF 526.50 | + 4.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 560.10 | CHF 566.50 |
| Family doctor | CHF 560.10 | CHF 579.50 |
| Free choice of doctor | CHF 659.00 | CHF 654.80 |
| HMO practice | — | CHF 566.50 |
How they moved in this region
Against 2025, Helsana moves by + 7.5 % and CONCORDIA by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.