Sanitas or CONCORDIA in Region 2 of canton Bern?
In Region 2, CONCORDIA is CHF 188.40 a year cheaper than Sanitas 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 529.60 a month, Sanitas to CHF 545.30. 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 Visana, at CHF 493.60 a month. Moving there rather than to CONCORDIA is worth CHF 432.00 more a year. Visana
Where they stand in the region
Sanitas ranks 20 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.
| Deductible | Sanitas | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 626.80 | CHF 626.70 | + 0.10 |
| 500 | CHF 615.20 | CHF 615.10 | + 0.10 |
| 1'000 | CHF 586.00 | CHF 585.90 | + 0.10 |
| 1'500 | CHF 556.80 | CHF 556.70 | + 0.10 |
| 2'000 | CHF 527.70 | CHF 527.60 | + 0.10 |
| 2'500 | CHF 498.50 | CHF 498.40 | + 0.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | CONCORDIA |
|---|---|---|
| Family doctor | CHF 545.30 | CHF 564.10 |
| Other model | CHF 551.60 | CHF 542.10 |
| HMO practice | CHF 570.40 | CHF 529.60 |
| Free choice of doctor | CHF 626.80 | CHF 626.70 |
How they moved in this region
Against 2025, Sanitas moves by + 3.0 % and CONCORDIA by + 9.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.