Concordia Health Insurance

Concordia - Premium development

KK Name
  • # Members  |  CHF 0.00   premium
  • Customer satisfaction  (2017)   5.2
Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

Experiences and questions regarding Concordia in our forum


Customer satisfaction with Concordia

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
5.2 Overall rating

Comparis Rating

  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate

Concordia - efficiency of administration

Administrative costs

4.6% of premiums

Collection of data 11/2016

When is a health insurance company efficient?

Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Concordia – company details

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
Solvency ratio 201.0% 248.0% displays the supervision data published by the FOPH. does not guarantee the accuracy of the data. Last updated: 26.09.2016

About Concordia

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 covered under basic insurance

Benefits of the mandatory basic insurance are prescribed by law. Therefore, the benefits are consistent among all insurance providers.

Switching to Concordia for basic insurance

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.

Where is Concordia active?

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.

How to contact Concordia

Concordia Schweiz. Kranken- und Unfallversicherung AG
Bundesplatz 15
6002 Luzern
Tel. 041 228 01 11
Fax 041 228 02 10

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Concordia - 0 more forum articles



Number of policyholders

Average number of policyholders in the previous year (basic insurance only).

Reserves in millions of CHF

Including reserves for optional daily benefits insurance.

Minimum reserves in millions of CHF

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.

Solvency ratio

The solvency ratio indicates the ratio between the existing reserves and the minimum amount.



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