Physio for my daughter
Physio for my daughter, who is a Swiss national team sportsperson, denied after a knee injury. Shockingly bad health insurance provider.
August 25, 2026
Unprompted review
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Company details
- Health Insurance Agency
- also in
- Accident Insurance Company
- Insurance Agency
- Insurance Company
- Life Insurance Agency
- Retirement Scheme Provider
Written by the company
Die CONCORDIA wurde 1913 von engagierten Menschen als Verein zur Selbsthilfe gegründet. Wurde damals eine Arbeitskraft ernsthaft krank, drohte die ganze Familie zu verarmen. So schlossen sich Betroffene in Betriebskrankenkassen und in Vereinen zusammen, bezahlten jeden Monat einen Beitrag in die gemeinsame Kasse und erhielten selbst Unterstützung, wenn sie krank wurden. Seit ihrer Gründung vor mehr als einem Jahrhundert hat sich die CONCORDIA zu einem modernen Unternehmen im Gesundheitsmarkt entwickelt. Heute gehört sie zu den grössten Schweizer Krankenversicherern und bietet auch umfassende Vorsorgelösungen an. Im Fürstentum Liechtenstein ist sie Marktführerin. Aktuell schenken 740'000 Grundversicherte der CONCORDIA ihr Vertrauen. Es gibt viele Gründe für den Erfolg der CONCORDIA. Nähe zu den Menschen und Verständnis für ihre alltäglichen Sorgen und Anliegen gehören dazu. Auch setzt die CONCORDIA auf einen erstklassigen persönlichen Service, sei dies an den rund 160 Standorten in der ganzen Schweiz und im Fürstentum Liechtenstein, sei dies im Kontakt über myCONCORDIA oder andere digitale Kanäle.
Contact info
Switzerland
- www.concordia.ch
2.1
Poor
127 reviews
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Years of illegal premium charges after leaving Switzerland — had to file debt collection to get a refund
Years of illegal premium charges after leaving Switzerland — had to file debt collection to get a refund
After officially leaving Switzerland, Concordia kept charging me health insurance premiums for years without ever informing me that my insurance obligation had ended. When I finally cancelled in August 2025, they reactivated my policy multiple times in January 2026 — without my consent and without any legal basis.
Only after sending a formal invoice and filing debt collection proceedings did I receive CHF 16,436 back — without explanation and without apology. A further CHF 4,157 (interest, compensation, wrongful late fees) remains unpaid.
On top of that: during a phone call in June 2023 I informed Concordia of my job change to a non-Swiss employer — which legally ends the posted worker status immediately. They told me there was no need to do anything. That advice was wrong and led to two more years of unjustified premium charges.
Additional issues:
– Full account statement requested for months, only partially provided
– Wrongful late fees quietly retained without explanation
– Settlement offer and multiple deadlines ignored
– No explanation, no apology
The case has been reported to FINMA, the Swiss Federal Office of Public Health (BAG), Consumer Protection Switzerland, and the media (Saldo, Kassensturz, Beobachter).
For Swiss expats and posted workers: check for yourself whether you are still legally required to hold Swiss health insurance. Concordia will not tell you proactively — and that can cost you dearly.
May 11, 2026
Unprompted review
Awful insurance with must have app to…
Awful insurance with must have app to login
September 24, 2024
Unprompted review
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