Visana or CONCORDIA in Region 3 of canton Zurich?
In Region 3, CONCORDIA is CHF 18.00 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 461.20 a month, Visana to CHF 462.70. The gap is CHF 18.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CONCORDIA is worth CHF 400.80 more a year. Agrisano
Where they stand in the region
Visana ranks 9 and CONCORDIA ranks 8, out of 27 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 571.10 | CHF 539.30 | + 31.80 |
| 500 | CHF 564.40 | CHF 527.70 | + 36.70 |
| 1'000 | CHF 530.30 | CHF 498.50 | + 31.80 |
| 1'500 | CHF 501.10 | CHF 469.30 | + 31.80 |
| 2'000 | CHF 471.90 | CHF 440.20 | + 31.70 |
| 2'500 | CHF 442.80 | CHF 411.00 | + 31.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| HMO practice | CHF 462.70 | CHF 461.20 |
| Other model | CHF 502.60 | CHF 469.20 |
| Family doctor | CHF 502.60 | CHF 477.30 |
| Free choice of doctor | CHF 571.10 | CHF 539.30 |
How they moved in this region
Against 2025, Visana moves by + 3.7 % and CONCORDIA by + 7.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.