Sanitas or CONCORDIA in Region 1 of canton Ticino?
In Region 1, CONCORDIA is CHF 136.80 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 613.40 a month, Sanitas to CHF 624.80. The gap is CHF 136.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to CONCORDIA is worth CHF 354.00 more a year. Agrisano
Where they stand in the region
Sanitas ranks 8 and CONCORDIA ranks 5, out of 21 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 726.40 | CHF 725.90 | + 0.50 |
| 500 | CHF 714.80 | CHF 714.30 | + 0.50 |
| 1'000 | CHF 685.60 | CHF 685.10 | + 0.50 |
| 1'500 | CHF 656.40 | CHF 655.90 | + 0.50 |
| 2'000 | CHF 627.30 | CHF 626.80 | + 0.50 |
| 2'500 | CHF 598.10 | CHF 597.60 | + 0.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | CONCORDIA |
|---|---|---|
| Other model | CHF 624.80 | CHF 624.30 |
| Family doctor | CHF 631.95 | CHF 646.10 |
| HMO practice | CHF 661.10 | CHF 613.40 |
| Free choice of doctor | CHF 726.40 | CHF 725.90 |
How they moved in this region
Against 2025, Sanitas moves by + 7.3 % and CONCORDIA by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.