Helsana or CONCORDIA in Region 3 of canton Zurich?
In Region 3, CONCORDIA is CHF 43.20 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 461.20 a month, Helsana to CHF 464.80. The gap is CHF 43.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CONCORDIA is worth CHF 400.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and CONCORDIA ranks 8, out of 27 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 560.00 | CHF 539.30 | + 20.70 |
| 500 | CHF 548.40 | CHF 527.70 | + 20.70 |
| 1'000 | CHF 519.20 | CHF 498.50 | + 20.70 |
| 1'500 | CHF 490.00 | CHF 469.30 | + 20.70 |
| 2'000 | CHF 460.90 | CHF 440.20 | + 20.70 |
| 2'500 | CHF 431.70 | CHF 411.00 | + 20.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 477.30 |
| Other model | CHF 476.00 | CHF 469.20 |
| Free choice of doctor | CHF 560.00 | CHF 539.30 |
| HMO practice | — | CHF 461.20 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.