Last Updated: January 15, 2025

CONCORDIA Health Insurance Switzerland 2025 Expert Guide

A Lucerne-based health and accident insurance provider with a history dating back to 1914, serving over 632,000 policyholders with comprehensive insurance solutions.

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About CONCORDIA

CONCORDIA is a Lucerne based health and accident insurance provider with a history dating back to 1914. It has roughly 632,000 policy holders in their basic compulsory insurance model. 2018 revenues from premiums amounted to 2.8 billion Swiss francs.

Expat Advantages with CONCORDIA

Multilingual Support

Customer service in multiple languages

Digital Services

Modern online platform and app

Family-Friendly Options

Special plans and discounts for families

Comprehensive Coverage

Wide range of insurance options

Basic Insurance Models

Multiple models including traditional, myDoc Family Doctor, and HMO options with savings up to 21%

Supplementary Insurance

Comprehensive additional coverage including DIVERSA, NATURA, and Dental Care Insurance

Additional Services

Holiday and travel insurance, daily allowance insurance, and various life insurance options

Premium Structure & Cost Advantages

Age Group	Concordia Premium	Market Average	Potential Savings
Adults (26+)	From CHF 275	CHF 320	Up to 14%
Young Adults (19-25)	From CHF 220	CHF 240	Up to 8%
Children (0-18)	From CHF 85	CHF 100	Up to 15%

Supplementary Insurance Plans

DIVERSA

Perfect for families with attractive premiums for children

Inpatient and outpatient treatments abroad
Search and rescue operations
Glasses and contacts coverage
Non-prescription medicines
Dental corrections

NATURA

Alternative medicine and preventative health coverage

130 alternative medicine methods
Preventative health care
Health promotion activities
Holistic approach to wellness

Dental Care Insurance

Comprehensive dental coverage options

Up to 75% coverage
Regular check-ups
Dental treatments
Orthodontics coverage

Additional Coverage

Extra protection options

Accident insurance
Holiday and travel insurance
Daily allowance insurance
Life insurance options

Frequently Asked Questions

What makes Concordia different from other Swiss insurers?: Concordia stands out for their family-friendly insurance solutions, strong focus on preventive care, and comprehensive supplementary insurance options. They offer attractive premiums for children and a wide range of alternative medicine coverage through their NATURA plan.
How do I get a quote from Concordia?: You can get a quote from Concordia through their online calculator, by scheduling a free consultation with our experts, or visiting a Concordia office. We recommend comparing multiple offers to find the best coverage for your needs.
What supplementary insurance options does Concordia offer?: Concordia offers several supplementary plans including DIVERSA for families, NATURA for alternative medicine, comprehensive dental coverage, and various additional protection options like accident and travel insurance.
Does Concordia offer English-speaking customer service?: Yes, Concordia provides multilingual customer service, including English support, through their customer service centers and digital platforms.
How can I submit claims to Concordia?: Concordia offers multiple ways to submit claims: through their mobile app, online portal, or by mail. The digital options allow for quick submission by simply photographing your medical bills and uploading them directly.

Get your free quote today! Ready to get started? Get your personalized insurance quote now!

Below you will find information on data protection and privacy practices for Expat-Savvy.ch.

Operator of the Website

The Expat-Savvy.ch website ("the Website") is operated by:

Gen AI Digital Ltd
128 City Road,
London EC1V2NX,
United Kingdom
Director: Benjamin Amos Wagner
Email: hello@expat-savvy.ch

For insurance consulting matters, all services are provided by our partner:

Lang + Partner Finanzdienstleistungen GmbH
Chilegässli 12a
8904 Aesch ZH, Switzerland
info@langpartner.ch

Data Collection

Generally, visiting the Website does not require personal data. When you use the Website, non-personal data (e.g., your internet service provider, pages visited, or time spent on the site) may be collected to enhance user experience and improve services. This data does not identify you personally.

Personal data is collected only when you voluntarily provide it—such as submitting inquiries, requesting quotations, or using contact forms. By using the Website and providing personal data, you consent to its processing for marketing, communication, and insurance-consulting purposes.

Cookies

The Website uses cookies—small text files stored on your device—to:

Recognize returning visitors
Remember preferences
Analyze usage patterns

Some cookies are session-based and expire when you close your browser; others persist to streamline future visits. You may configure your browser to block or delete cookies; however, this may impact the functionality of certain Website features.

Use and Disclosure of Personal Data

Your personal data will be used exclusively:

To provide requested services (e.g., insurance quotes, consultations)
To respond to inquiries
To facilitate insurance-related advice through authorized partners

We do not sell personal data to third parties for research or advertising. Where necessary, data is shared with authorized insurance intermediaries and partners—all of whom are bound by strict confidentiality and data protection laws.

Right of Access and Rectification

You have the right, at any time, to:

Request information about the personal data we hold
Request rectification, restriction, or deletion of your data
Obtain data portability, according to Swiss and applicable international law

To exercise these rights, please email hello@expat-savvy.ch.

Analytics

We may use third-party analytics tools (e.g., Google Analytics) to collect non-personal, aggregated usage data for understanding user behavior and improving content. IP addresses and related technical data may be anonymized to avoid identifying individuals.

Electronic Communications

Communications via the Website or email are generally unencrypted. By contacting us electronically, you acknowledge and accept the inherent risks (e.g., potential third-party interception).

Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time without prior notice. The version currently published on the Website applies. If changes are significant, we will inform you via email or other appropriate channels.

Contact and Imprint

Expat-Savvy.ch
Talacker 41,
8001 Zurich, Switzerland

c/o Lang + Partner Finanzdienstleistungen GmbH
Chilegässli 12a,
8904 Aesch ZH, Switzerland

Phone: +41791552570
Email: hello@expat-savvy.ch

Governing Law and Acceptance

This Privacy Policy is governed by Swiss law. By using Expat-Savvy.ch, you confirm that you have read, understood, and agree to be bound by these privacy practices in accordance with Swiss data protection regulations.

These Terms of Service (hereafter "Terms") govern your use of Expat-Savvy.ch ("the Website"). By accessing or using the Website, you agree to these Terms in full.

Operator & Insurance Consulting

Operator of the Website

The Website is designed, developed, and operated by:
Gen AI Digital Ltd
128 City Road,
London EC1V2NX,
United Kingdom
Director: Benjamin Amos Wagner
Email: hello@expat-savvy.ch

Insurance Consulting

All insurance consulting services offered through the Website are provided by:
Lang + Partner Finanzdienstleistungen GmbH
Chilegässli 12a,
8904 Aesch ZH, Switzerland
info@langpartner.ch

For additional information regarding Swiss insurance regulation, see Art. 45 VAG (ISA).

Regulatory Information (Lang + Partner)

Lang + Partner Finanzdienstleistungen GmbH
Registration Number: F01067278
UID: CHE-112.184.261
Authorized as: Non-Tied Insurance Intermediaries
Date of First Registration: 30. June 2015
Branches of Insurance:
- Life Insurer
- Reinsurer
- Non-Life (Loss or Damage) Insurance

Territorial Restrictions

This Website is primarily intended for individuals and entities residing or registered in Switzerland. It is not intended for users located in—or citizens of—jurisdictions where access is restricted by law (including, but not limited to, the EU or the United States). If such legal restrictions apply, you are not permitted to use the Website.

Non-Binding Nature of Information

All content on the Website is provided for informational purposes only and does not constitute a binding offer or professional advice. Accessing the Website or contacting us does not create any contractual relationship. We strive for accuracy and timeliness but cannot guarantee complete correctness at all times.

Limitation of Liability and Disclaimer

While we endeavor to keep information current and reliable, we make no warranties regarding completeness, accuracy, or timeliness. We disclaim liability for any direct or indirect damages arising from use of—or inability to use—information on the Website, except where Swiss law mandates liability for intentional or grossly negligent conduct.

Links to external websites are provided as a convenience. We have no control over third-party sites and accept no liability for their content.

Electronic Communications

Communications via the Website or email are generally unencrypted, posing inherent risks (e.g., unauthorized interception). By using our electronic channels, you acknowledge and assume these risks.

Changes to These Terms

We may update or modify these Terms at any time, without prior notice. The latest version on the Website applies. If these Terms form part of an agreement with you, we will notify you of significant changes via email or other channels.

Imprint

Expat-Savvy.ch
Talacker 41,
8001 Zurich, Switzerland

c/o Lang + Partner Finanzdienstleistungen GmbH
Chilegässli 12a,
8904 Aesch ZH, Switzerland

Phone: +41791552570
Email: hello@expat-savvy.ch

Copyright Notice

All images, including AI-generated imagery, are owned by Expat-Savvy.ch and protected by Swiss and international copyright laws.

Governing Law and Jurisdiction

These Terms are governed by Swiss law. Any disputes arising from use of the Website shall be subject to the exclusive jurisdiction of the competent courts in Zurich, Switzerland, unless otherwise required by mandatory international provisions.

By using Expat-Savvy.ch, you acknowledge you have read, understood, and agree to be bound by these Terms, as well as all applicable Swiss legal standards.

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CONCORDIA Health Insurance Switzerland 2025 Expert Guide

About CONCORDIA

Expat Advantages with CONCORDIA

Get Your Rate

Schedule Meeting

Get Your Personalized CONCORDIA Quote

What's your current situation?

When do you need the insurance to start?

What type of insurance are you looking for?

What matters most to you? (Choose up to 3)

Your Contact Information

Submit Your Request

Basic Insurance Models

Supplementary Insurance

Additional Services

Premium Structure & Cost Advantages

Supplementary Insurance Plans

DIVERSA

NATURA

Dental Care Insurance

Additional Coverage

Frequently Asked Questions

Lang + Partner Finanzdienstleistungen GmbH

Technischer Kontakt:

Ungebundener Versicherungsvermittler:

Aus- und Weiterbildung:

Haftung:

Datenschutz:

Interessenkonflikte:

Entschädigung:

Schedule Meeting

CONCORDIA Health Insurance Switzerland 2025 Expert Guide

About CONCORDIA

Expat Advantages with CONCORDIA

Get Your Rate

Schedule Meeting

Get Your Personalized CONCORDIA Quote

What's your current situation?

When do you need the insurance to start?

What type of insurance are you looking for?

What matters most to you? (Choose up to 3)

Your Contact Information

Submit Your Request

Basic Insurance Models

Supplementary Insurance

Additional Services

Premium Structure & Cost Advantages

Supplementary Insurance Plans

DIVERSA

NATURA

Dental Care Insurance

Additional Coverage

Frequently Asked Questions

Get Expert Insurance Advice

Who is this meeting for?

What to expect:

Art. 45 VAG / Art. 45 ISA

DE:

EN:

Unsere Partnerfirmen und Dienstleistungen (Our Partner Companies and Services)

Lang + Partner Finanzdienstleistungen GmbH

Technischer Kontakt:

Unser Angebot:

Ungebundener Versicherungsvermittler:

Aus- und Weiterbildung:

Haftung:

Datenschutz:

Interessenkonflikte:

Entschädigung:

Privacy Policy

Operator of the Website

Data Collection

Cookies

Use and Disclosure of Personal Data

Right of Access and Rectification

Analytics

Electronic Communications

Changes to this Privacy Policy

Contact and Imprint

Governing Law and Acceptance

Terms of Service

Operator & Insurance Consulting

Operator of the Website

Insurance Consulting

Regulatory Information (Lang + Partner)

Territorial Restrictions

Non-Binding Nature of Information

Limitation of Liability and Disclaimer

Electronic Communications

Changes to These Terms

Imprint

Copyright Notice

Governing Law and Jurisdiction

Get Expert Insurance Advice

Who is this meeting for?

What to expect: