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Sanitas or CONCORDIA in Region 1 of canton Bern?

In Region 1, Sanitas is CHF 462.00 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

Sanitas comes down to CHF 552.30 a month, CONCORDIA to CHF 590.80. The gap is CHF 462.00 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to Sanitas is worth CHF 146.40 more a year. Visana

Where they stand in the region

Sanitas ranks 5 and CONCORDIA ranks 14, 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.

DeductibleSanitasCONCORDIAGap
300CHF 634.80CHF 699.10− 64.30
500CHF 623.20CHF 687.50− 64.30
1'000CHF 594.00CHF 658.30− 64.30
1'500CHF 564.80CHF 629.10− 64.30
2'000CHF 535.70CHF 600.00− 64.30
2'500CHF 506.50CHF 570.80− 64.30

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasCONCORDIA
Family doctorCHF 552.30CHF 629.20
Other modelCHF 571.40CHF 604.80
HMO practiceCHF 577.70CHF 590.80
Free choice of doctorCHF 634.80CHF 699.10

How they moved in this region

Against 2025, Sanitas moves by + 3.5 % and CONCORDIA by + 9.3 % in this region.

Sanitas, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.