Concordia Health Insurance: In-Depth Review
A well-established Swiss health insurer with strong roots in German-speaking regions, known for family-friendly coverage options and reliable service. Here's everything you need to know about Concordia.
Company Overview
Key Facts
- Founded: 1913
- Headquarters: Lucerne
- Insured Persons: 625,000+
- Market Share: 7.5%
- Customer Rating: 4.2/5.0
Service Languages
Concordia offers service in all listed languages, with strongest support in German. English services are available but may be more limited compared to some other insurers, particularly in non-German speaking regions.
Strengths and Limitations
Key Strengths
- Strong presence in German-speaking regions
- Comprehensive family coverage options
- Good supplementary dental insurance
- Reliable customer service
- Solid digital platform
- Transparent pricing structure
Limitations
- Higher basic insurance premiums in some cantons
- Limited physical office locations outside German-speaking regions
- Fewer specialized supplementary options compared to larger insurers
- Digital services less advanced than some competitors
Digital Services
Digital Features
- Customer portal (myConcordia)
- Mobile app
- Digital insurance card
- Online claims submission
- Electronic document management
- Appointment booking
Benefits
- Convenient policy management
- Simplified claims submission
- Reduced paperwork
- Access to insurance information 24/7
Concordia Basic Insurance Models
Concordia offers several models for basic insurance, allowing you to save on premiums by choosing certain restrictions on your first point of medical contact.
| Model | How It Works | Potential Savings | Best For |
|---|---|---|---|
| Standard Model | Free choice of doctors and specialists | None (base premium) | Those prioritizing maximum flexibility |
| myDoc (Family Doctor) | Family doctor as first point of contact | Up to 12% | Those with a trusted family doctor |
| myHMO | HMO center as first point of contact | Up to 20% | Urban residents seeking significant savings |
| myTel | Telemedical consultation first | Up to 15% | Tech-savvy individuals valuing convenience |
Understanding Deductibles (Franchise)
The deductible is the amount you pay out-of-pocket before your insurance starts covering costs. Concordia offers various options:
- CHF 300: Standard deductible, highest premiums
- CHF 500, 1000, 1500, 2000: Intermediate options
- CHF 2500: Highest deductible, lowest premiums (up to 40% savings)
After your deductible is met, you pay a 10% co-payment on all costs up to CHF 700 per year.
Concordia Supplementary Insurance Options
While basic insurance provides essential coverage, Concordia's supplementary plans offer enhanced benefits and services for more comprehensive protection.
DIVERSA
- Comprehensive outpatient coverage
- Alternative medicine treatments
- Fitness and health promotion
- Vision and hearing aids
- Preventive care benefits
- Medication coverage
NATURA
- Focus on alternative medicine
- Natural treatments and therapies
- Holistic health approach
- Preventive care
- Health promotion benefits
HOSPITAL
- Private or semi-private hospital rooms
- Free choice of doctor
- Worldwide hospital coverage
- Comfort services during hospital stays
- Flexible options (HOSPITAL Flex)
DENTA
- Dental check-ups and hygiene
- Dental treatments
- Orthodontic work
- Various coverage levels available
- Preventive dental care
Important Considerations
- Health Check: Unlike basic insurance, supplementary plans require a health questionnaire and may exclude pre-existing conditions.
- Timing: It's best to apply when you're in good health, as acceptance becomes more difficult with age or health issues.
- Cancellation Terms: Supplementary insurance typically has different cancellation terms than basic insurance (often 3 months' notice).
Concordia for English Speakers
English Services
Concordia offers English support, though it may be more limited compared to some other insurers, particularly in non-German speaking regions.
- English-speaking staff available (varies by location)
- Some documentation available in English
- Basic English website functionality
- Email support in English
For Newcomers to Switzerland
If you've recently moved to Switzerland, Concordia offers several advantages:
- Established provider with reliable service
- Good coverage options for families
- Alternative insurance models to reduce costs
- Strong presence in German-speaking regions
Concordia for Specific Groups
For Families
- Strong family coverage options
- Family discounts available
- Comprehensive maternity coverage
- Child-specific supplementary options
For Dental Care
- Specialized dental insurance (DENTA)
- Multiple coverage levels
- Orthodontic treatment options
- Preventive dental care
For Alternative Medicine
- NATURA package for holistic care
- Coverage for various therapies
- Natural medicine options
- Preventive and wellness focus
Premiums and Costs
Concordia's premiums vary based on several factors. While exact figures depend on individual circumstances, here are the key factors affecting your premium:
Premium Factors
- Canton of residence
- Age group
- Chosen insurance model
- Selected deductible
- Supplementary coverage options
Cost-Saving Strategies
- Choose an alternative insurance model
- Opt for a higher deductible if healthy
- Pay premiums annually for potential discounts
- Review supplementary coverage needs regularly
- Check eligibility for premium subsidies
Get Personalized Premium Quotes
For accurate premium information based on your specific situation, use our AI calculator or schedule a free consultation with our insurance experts.
Frequently Asked Questions
How does Concordia compare to other major Swiss insurers?
Concordia is a mid-sized insurer with a strong presence in German-speaking regions. Compared to larger insurers like Helsana or CSS, Concordia often offers more competitive family coverage options and dental insurance. Their basic insurance premiums may be higher in some cantons, but they're known for reliable service and transparent pricing. Their digital services are functional but less advanced than some competitors.
How good is Concordia's English support?
Concordia offers English support, though it's more limited than some other insurers, particularly outside German-speaking regions. They have English-speaking staff available in main offices and provide some documentation in English. Their website and customer portal have basic English functionality. If English support is a top priority, you might want to compare with insurers like Helsana or SWICA that offer more comprehensive English services.
What makes Concordia's supplementary insurance stand out?
Concordia is particularly known for its DENTA dental insurance, which offers comprehensive coverage for dental treatments at competitive rates. Their NATURA package is also notable for its focus on alternative medicine and holistic health approaches. While they may not offer as many specialized supplementary options as larger insurers, their packages are well-designed with clear benefits and transparent pricing.
Is Concordia a good choice for families?
Yes, Concordia is often an excellent choice for families. They offer family-friendly policies with good coverage for maternity, children's health, and preventive care. Their family discounts can provide significant savings, and their supplementary options are well-suited to family needs. Their strong presence in German-speaking regions also means good local support for families in these areas.
How do I switch to Concordia from another Swiss insurer?
For basic insurance, you can switch to Concordia by giving notice to your current insurer by November 30th for a January 1st change. For supplementary insurance, the notice period is typically three months, but check your current policy. It's important to secure acceptance from Concordia for supplementary insurance before canceling your existing coverage. Our experts can guide you through this process to ensure a smooth transition.
Interested in Concordia Insurance?
Compare Concordia's premiums with other providers and get expert guidance on choosing the right coverage for your needs.