Swiss health insurer profile
Concordia — the health insurance that costs less for families.
Concordia is the Swiss insurer that decided children's supplementary insurance shouldn't cost more than a coffee. For families with three or more children, it's free. No other insurer in Switzerland matches this.
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Fits
Wrong
Founded
1914
Lucerne · non-profit association
Headquarters
Lucerne
Central Switzerland
Insured persons
~740K
160 agencies · incl. Liechtenstein
| Category | Concordia |
|---|---|
| Languages | DE, FR, IT, EN (limited) |
| Moneyland 2025 | 8.0 / 10 (Very Good) — tied #1 |
| Bonus.ch 2025 | 5.2 / 6 (Good) |
| Digital experience | myCONCORDIA app + concordiaMed 24/7 hotline |
| Pricing model (supplementary) | Age-band (increases as you age) |
| Family pricing | Best in Switzerland — CHF 4/month children, free from 3rd child |
Sources: Concordia annual report 2023 · moneyland.ch 2025 · bonus.ch · concordia.ch
Product lineup
Concordia's product range is modular. These are the four that come up in almost every family consultation.
Outpatient supplementary — the family flagship. Covers rescue costs, worldwide contributions, dental contributions. Children up to 15: CHF 4/month. From the third child: free.
CHF 4/month children · adult tiers from DIVERSAcare to DIVERSApremium
DIVERSA is the base tier. DIVERSAplus and DIVERSApremium add higher limits — glasses, non-panel physicians, laser eye surgery. The naming can confuse new arrivals.
Alternative medicine and prevention. Naturopaths at 75% up to CHF 4,000/year without referral. Fitness contributions up to CHF 500/year. No prescription needed for direct access.
Moderate — significantly cheaper than hospital tiers
Fitness cap is CHF 500/year — less than half of SWICA's CHF 1,300. The alternative medicine limit is generous; the fitness limit is not.
Flexible hospital: choose your ward — general, semi-private, or private — at each admission. No commitment to one tier at signup. Pay a base premium and upgrade per stay.
Lower than committed semi-private or private tiers
Upgrade availability depends on the hospital. Not all clinics honour the flex upgrade for every procedure — confirm with your preferred clinic.
Committed hospital tiers. Semi-private: twin room, senior physicians. Private: single room, chief physician. The products where the age-curve matters most.
Age-banded — moderate curve, steepest of Concordia's lineup
Concordia's hospital age-curve is moderate compared to Helsana or Sanitas — but it's still an age-band model. Compare against SWICA's entry-age lock before committing long-term.
Two services come with most plans: smartDoc (the Medgate-first basic model) and concordiaMed (the free 24/7 medical advice hotline).
The age-curve trap
Hospital Semi-Private — monthly premium by age
The CHF 140 you pay at 30 becomes CHF 650 at 70. This is the age-curve trap.
| Age | Monthly premium (CHF) |
|---|---|
| 30 | 140 |
| 40 | 210 |
| 50 | 340 |
| 60 | 490 |
| 70 | 650 |
Concordia Hospital Semi-Private: the CHF 140 you pay at 30 becomes CHF 650 at 70. The curve is moderate — gentler than Helsana or Sanitas, but still an age-band model. Outpatient DIVERSA and NATURA premiums climb much less steeply.
LIBERO lets you choose your ward at each admission — lower base premium, upgrade when you need it. Committed semi-private or private locks in the tier but at a higher ongoing cost.
For most expats under 45 who don't expect hospitalisation, LIBERO is the pragmatic choice. For expats over 50 or with planned elective procedures, committed semi-private gives certainty without the per-stay negotiation.
The honest call: if you'd choose semi-private every time anyway, LIBERO's flexibility is overhead you're paying for without using. If you'd choose general most times and upgrade occasionally, LIBERO saves money. Read the contract, or have us read it.
"Concordia decided that insuring a family shouldn't cost more per child. For a family with three kids, the third child's supplementary is free. No other Swiss insurer has made that decision."
Read the contract
English support is limited. The website has English pages, but day-to-day service — letters, claims, phone calls — is primarily German, French, and Italian. For English-only expats without a broker, the admin friction is real.
The product lineup is modular but not simple. DIVERSA, DIVERSAcare, DIVERSAplus, DIVERSApremium — four outpatient tiers with overlapping benefit tables. Add NATURA for alternative medicine, then a hospital tier on top. Assembling the right combination requires guidance.
Digital adoption lags behind the big four. The myCONCORDIA app is functional but less polished than Helsana+ or CSS. Digital claim submission rates are below 40% — lower than CSS, SWICA, or Sanitas.
This is the kind of thing we read the contracts for.
Larissa & Felix · 36 + 38 · Düsseldorf → Zug, 2024
Family with two children at the international school, third on the way. Supplementary insurance for three children at most insurers adds up fast. At Concordia, DIVERSA for children costs CHF 4/month each — and free from the third child.
We placed the whole family on Concordia. The DIVERSA family pricing made children's supplementary dramatically cheaper than any competitor. No other insurer in Switzerland matches this.
Family pricing isn't a feature at Concordia. It's the reason you choose Concordia.
Anjali · 31 · Bengaluru → Lucerne, 2024
Regular acupuncture and osteopathy user — alternative medicine coverage was the deciding factor. Concordia NATURA covers naturopaths at 75% up to CHF 4,000/year without a referral or prescription.
We placed her on NATURA alongside DIVERSA for outpatient. The no-referral access to naturopaths was the differentiator — most other insurers require a GP referral first.
The best alternative medicine coverage is the one that doesn't make you see a GP before your naturopath.
Carlos & Ana · 40 + 38 · Bogotá → Zürich, 2023
Family of five — three children under twelve. At most insurers, supplementary for three children costs more than the parents' combined basic premium. Concordia's third-child-free policy changed the economics entirely.
We placed them on Concordia DIVERSA + NATURA + Hospital for the whole family. The third child's supplementary is completely free. The annual saving versus the next-cheapest family option was substantial — the third-child-free policy alone made the difference.
Five people, one insurer, one invoice. The simplicity is the point when you have three children under twelve.
Sina · 28 · Apia → Basel, 2024
Young, healthy, rarely visits the doctor. Wanted the cheapest basic premium in the region without sacrificing access to a GP she already trusts.
Concordia's basic Standard in Central Switzerland is competitive — ranked in the top five for several cantons. We set her up with basic only, no supplementary. At 28 with no conditions, the supplementary conversation can wait.
At 28, the cheapest basic insurer that your doctor accepts is the right insurer.
Wolfgang · 56 · Hamburg → Bern, 2023
Late-career academic, arriving at 56 with no prior Swiss insurance. Concordia's hospital supplementary uses age-band pricing — the premium at 56 is steep. But their acceptance rate on health declarations at this age is better than Sanitas or CSS.
We placed him on Concordia for hospital semi-private. The premium was higher than SWICA's entry-age hold would have been — but Concordia accepted without exclusions. SWICA added one.
At 56, the insurer that says yes without exclusions is often worth the premium difference.
How we decide
For Concordia, the first question is always 'how many children?' If the answer is three or more, the family pricing alone makes the decision. If it's one or zero, Concordia competes on NATURA for alternative medicine and on regional pricing in Central Switzerland — but the family angle is where they're genuinely unmatched.
— Robert Kolar · Health insurance advisor
Where Concordia sits
Concordia isn't the only choice for these scenarios. The pages we'd send you to next:
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