Understand Concordia — and Whether It's Right for You
About Concordia
Concordia health insurance Switzerland is mid-sized health insurer with strong regional presence, serving ~600,000 insured persons. Known for competitive premiums in central switzerland, Concordia combines decades of experience with digital tools to simplify insurance management.
This guide explains Concordia's strengths, limitations, and how it compares to other major Swiss insurers — especially for expats seeking English-language support and independent advice from FINMA-certified brokers.
Understanding Concordia's foundation is the first step — but how do you know if it's right for you?
Concordia at a Glance
Detailed factual overview of Concordia health insurance.
| Attribute | Details |
|---|---|
| Insurer Name | Concordia |
| Founded | 1905 |
| Headquarters | Lucerne (LU) |
| Market Position | Mid-sized health insurer with strong regional presence |
| Clients | ~600,000 insured persons |
| Languages / English Service | German, French, Italian, Limited English Limited English support; primarily German-speaking service |
| Strengths | Competitive premiums in Central Switzerland, Personal service approach, Good supplementary plan options, Regional expertise |
| Limitations | Smaller network than major insurers, Limited English support, Less presence in urban expat hubs |
| Unique Supplementary Plans | Plus, Complet, Universa |
| Known For / Keywords | Strong in Lucerne and Central Switzerland, Personal customer relationships, Competitive HMO models |
| Customer Focus | Swiss residents in Central Switzerland, families, regional clients |
| Premium Example (Lucerne, Region 1) | ~CHF 320 (Basic, Fr. 300 deductible) |
| Premium Stability Trend | +5.1% average increase (2025 → 2026) |
| Claim Support Quality | ⭐ 4.2 / 5 (reliable service) |
*Based on official BAG data and public Concordia reports, verified October 2025.
Let's look at the three most common reasons expats evaluate Concordia — and what really matters in each case.
Why People Consider Concordia
Three common situations where Concordia comes up — and how we help you decide.
New in Switzerland
Need to register within 90 days? Concordia can be one of several good options — we help you compare all.
Learn MoreAlready Insured, Considering a Change
We check if switching or optimizing makes sense — often you can save without losing benefits.
Learn MoreWant to Optimize Your Coverage
We review your plan and suggest upgrades or savings across 50+ insurers.
Book ConsultationData matters — but experience matters more. Here's what our independent advisors see after years of comparing Concordia to other providers.
Independent Expert Perspective
We regularly benchmark Concordia, CSS, Swica, and others for expats. Each insurer has unique acceptance policies and claim behaviors — the right choice depends on your needs.
Concordia excels in competitive premiums in central switzerland, but may not always be the most cost-effective option. We compare basic insurance (LAMal/KVG) and supplementary insurance premiums, service quality, and long-term value across all providers.
"The best insurer is the one that matches your health usage, budget, and risk profile — not necessarily the biggest name."
"Concordia offers competitive premiums in Central Switzerland with a personal service approach. English support is limited, so we usually recommend it for German-speaking clients or combine it with our ongoing support."
Robert Kolar
FINMA-certified Insurance Broker
Concordia vs Other Swiss Insurers
Concordia is mid-sized health insurer with strong regional presence — swiss residents in central switzerland, families, regional clients.
However, it's not always the most affordable, especially compared to regional competitors. We compare all major Swiss insurers independently.
Compare coverage & premiums
Compare coverage & premiums
Compare coverage & premiums
*Our independent comparison is based on verified BAG data, public insurer reports, and real client feedback.
Our review process is straightforward and transparent — so you always understand what we recommend and why.
How Our Review Works
Whether you're considering Concordia or comparing all options, here's our process.
Review your plan
We read your basic & supplementary cover
Explain options
Clear English, what stays / what changes
Identify savings & risks
Model, deductible, overlaps
Confirm & handle switch
We do forms + cancellation
Independent, FINMA-certified guidance. Free and unbiased.
Health Insurance Isn't Just About Numbers
It's about peace of mind — knowing you're covered for all eventualities, with an expert who continues to take care of you year after year.
Whether you choose Concordia or another provider, we ensure your decision is informed, strategic, and aligned with your wellbeing in Switzerland.
Here's what people say about getting independent insurance advice with us:
What Our Clients Say
★★★★★ Rated 4.9 / 5 by expats across Switzerland
Real experiences from people who got independent insurance advice.
"Robert was an excellent assistant. He introduced me to the complex health system in Switzerland and made sure I took the best decision, providing information and answering all my questions."
German Barquero
Google Review
"I had great experience with expat-savvy, receiving very helpful, professional advice tailored to my personal situation. Robert has demonstrated his in-depth knowledge of the field."
Rebeka Johnson
Google Review
"Robert's advice was very helpful in choosing the right health insurance package and getting over the hurdles of pre-existing conditions. He found me a much better deal."
Martin Walsh
Google Review
Still have questions? Here are the most common ones we hear about Concordia:
Common Questions About Concordia
Everything you need to know about Concordia health insurance.
Is Concordia good for expats?
Concordia can be a good choice for German-speaking expats in Central Switzerland due to competitive premiums. English support is limited, so we typically recommend it when we can provide ongoing support in English as your broker.
Is Concordia cheaper than other insurers?
Concordia offers very competitive premiums in Central Switzerland (Lucerne, Zug regions). Pricing varies by canton — we compare all insurers for your specific location.
Does Concordia have English customer service?
Concordia's customer service is primarily in German, French, and Italian. English support is limited. As your broker, we bridge this gap and handle communications on your behalf.
Can I switch to Concordia from another insurer?
Yes, you can switch to Concordia during the annual switching period (deadline 30 November for basic insurance). Basic insurance acceptance is guaranteed.
What are Concordia's HMO models?
Concordia offers HMO (Health Maintenance Organization) models providing 15-20% premium savings in exchange for coordinated care through designated health centers. We assess if this fits your healthcare usage.
Is Concordia a reliable insurer?
Yes, Concordia has been operating since 1905 and maintains good financial stability and customer satisfaction ratings. It's a solid mid-sized Swiss insurer with regional strength.
More questions about Concordia or Swiss health insurance in general?
Not Sure If Concordia Is Right for You?
Get a personalized, independent consultation — 100% free and in English.