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Sanitas or CONCORDIA in Region 3 of canton Bern?

In Region 3, Sanitas is CHF 1.80 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

Sanitas comes down to CHF 495.45 a month, CONCORDIA to CHF 495.60. The gap is CHF 1.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Sanitas is worth CHF 575.40 more a year. Agrisano

Where they stand in the region

Sanitas ranks 11 and CONCORDIA ranks 12, 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 569.50CHF 586.40− 16.90
500CHF 557.90CHF 574.80− 16.90
1'000CHF 528.70CHF 545.60− 16.90
1'500CHF 499.50CHF 516.40− 16.90
2'000CHF 470.40CHF 487.30− 16.90
2'500CHF 441.20CHF 458.10− 16.90

Model by model

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

ModelSanitasCONCORDIA
Family doctorCHF 495.45CHF 527.80
Other modelCHF 512.60CHF 507.30
HMO practiceCHF 518.30CHF 495.60
Free choice of doctorCHF 569.50CHF 586.40

How they moved in this region

Against 2025, Sanitas moves by + 2.0 % and CONCORDIA by + 9.9 % 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.