Visana or CONCORDIA in Region 2 of canton St. Gallen?
In Region 2, CONCORDIA is CHF 699.60 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 456.00 a month, Visana to CHF 514.30. The gap is CHF 699.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to CONCORDIA is worth CHF 436.80 more a year. Agrisano
Where they stand in the region
Visana ranks 23 and CONCORDIA ranks 7, 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 605.70 | CHF 533.30 | + 72.40 |
| 500 | CHF 599.00 | CHF 521.70 | + 77.30 |
| 1'000 | CHF 564.90 | CHF 492.50 | + 72.40 |
| 1'500 | CHF 535.70 | CHF 463.30 | + 72.40 |
| 2'000 | CHF 506.50 | CHF 434.20 | + 72.30 |
| 2'500 | CHF 477.40 | CHF 405.00 | + 72.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 514.30 | CHF 456.00 |
| Other model | CHF 521.00 | CHF 461.40 |
| Family doctor | CHF 521.00 | CHF 474.70 |
| Free choice of doctor | CHF 605.70 | CHF 533.30 |
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.