Visana or CONCORDIA in Region 3 of canton St. Gallen?
In Region 3, CONCORDIA is CHF 766.80 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 441.10 a month, Visana to CHF 505.00. The gap is CHF 766.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to CONCORDIA is worth CHF 474.00 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and CONCORDIA ranks 6, 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 594.10 | CHF 515.80 | + 78.30 |
| 500 | CHF 587.40 | CHF 504.20 | + 83.20 |
| 1'000 | CHF 553.30 | CHF 475.00 | + 78.30 |
| 1'500 | CHF 524.10 | CHF 445.80 | + 78.30 |
| 2'000 | CHF 494.90 | CHF 416.70 | + 78.20 |
| 2'500 | CHF 465.80 | CHF 387.50 | + 78.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 505.00 | CHF 441.10 |
| Other model | CHF 511.00 | CHF 446.20 |
| Family doctor | CHF 511.00 | CHF 459.10 |
| Free choice of doctor | CHF 594.10 | CHF 515.80 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.