Sanitas or CONCORDIA in Region 1 of canton St. Gallen?
In Region 1, Sanitas is CHF 84.60 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 479.65 a month, CONCORDIA to CHF 486.70. The gap is CHF 84.60 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Sanitas ranks 1 and CONCORDIA ranks 8, out of 25 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 551.30 | CHF 569.20 | − 17.90 |
| 500 | CHF 539.70 | CHF 557.60 | − 17.90 |
| 1'000 | CHF 510.50 | CHF 528.40 | − 17.90 |
| 1'500 | CHF 481.30 | CHF 499.20 | − 17.90 |
| 2'000 | CHF 452.20 | CHF 470.10 | − 17.90 |
| 2'500 | CHF 423.00 | CHF 440.90 | − 17.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | CONCORDIA |
|---|---|---|
| Family doctor | CHF 479.65 | CHF 506.60 |
| Other model | CHF 496.20 | CHF 492.40 |
| HMO practice | CHF 501.70 | CHF 486.70 |
| Free choice of doctor | CHF 551.30 | CHF 569.20 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.