Visana or CONCORDIA in Region 1 of canton St. Gallen?
In Region 1, CONCORDIA is CHF 655.20 a year cheaper than Visana 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 486.70 a month, Visana to CHF 541.30. The gap is CHF 655.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CONCORDIA is worth CHF 84.60 more a year. Sanitas
Where they stand in the region
Visana ranks 20 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 | Visana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 637.50 | CHF 569.20 | + 68.30 |
| 500 | CHF 630.80 | CHF 557.60 | + 73.20 |
| 1'000 | CHF 596.70 | CHF 528.40 | + 68.30 |
| 1'500 | CHF 567.50 | CHF 499.20 | + 68.30 |
| 2'000 | CHF 538.30 | CHF 470.10 | + 68.20 |
| 2'500 | CHF 509.20 | CHF 440.90 | + 68.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 541.30 | CHF 486.70 |
| Other model | CHF 548.30 | CHF 492.40 |
| Family doctor | CHF 548.30 | CHF 506.60 |
| Free choice of doctor | CHF 637.50 | CHF 569.20 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.