Here you can find information on customer satisfaction and learn what experiences other Comparis users had with the insurance company.
|5.2||Competence and helpfulness of employees|
|5.1||Statements (clarity, prompt payment, goodwill etc.)|
|5.1||Clarity and comprehensibility of customer information|
4.6% of premiums
Collection of data 11/2016
|Reserves of the health insurer Concordia||2014||2015|
|Number of policyholders||542,081||536,650|
|Reserves in millions of CHF||607.5||727.6|
|Minimum reserves in millions of CHF||303.0||293.6|
In 1914, when the Health and Accident Insurance Act (KUVG) was introduced, Concordia emerged from the Health Insurance Association of the Swiss Catholic People's Association. At first, its head office was in Zug. In 1919, Concordia moved to Lucerne.
On 1 January 2007, the Concordia Swiss Health and Accident Insurance Association assigned their health and accident insurance business to the newly founded corporation which carries the same name. The new corporation also took over all rights and obligations of the association. The corporation was integrated into a holding structure (Concordia Participations Ltd). As sole shareholder, the Concordia Association maintained control over the health insurance business.
Benefits of the mandatory basic insurance are prescribed by law. Therefore, the benefits are consistent among all insurance providers.
There is complete freedom to choose one's provider of mandatory basic insurance. Therefore, health insurance providers must accept all insured persons irrespective of age, gender or state of health. However, attention should be given to the health insurers' notification periods when changing one's insurance.
Concordia offers its standard model of mandatory basic insurance throughout Switzerland. In addition, Concordia also offers alternative insurance models (HMO and family doctor model). However, these models are not available in all regions and cantons. You can find out most easily if they are offered in your place of residence by making a premium comparison. concordiaMed is a 24-hour health advisory service available to all policyholders of Concordia. If you have medical concerns or uncertainties, qualified experts are able to advise you on the phone.
Concordia Schweiz. Kranken- und Unfallversicherung AG
Tel. 041 228 01 11
Fax 041 228 02 10
Average number of policyholders in the previous year (basic insurance only).
Including reserves for optional daily benefits insurance.
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.