Concordia and medical cannabis — 2026 coverage
Concordia holds around 6 % of the Swiss market. When does it reimburse cannabinoids and how do you file a request?
Concordia covers Sativex® for MS spasticity via mandatory insurance. Other cannabinoids need an individual cost-approval (10–21 days). Concordia (Lucerne) has pragmatic practice. MS/palliative approvals fast; off-label chronic pain reviewed.
Default coverage
Under mandatory insurance (LAMal/KVG), Concordia pays cannabinoids on the Specialities List — currently only Sativex® for moderate-to-severe MS spasticity.
Dronabinol, standardised THC flower and magistral preparations sit outside and require an individual decision.
Cost-approval process
Article 71a/71b LAMal form filled by your doctor, reviewed by the Concordia trusted physician.
Concordia (Lucerne) has pragmatic practice. MS/palliative approvals fast; off-label chronic pain reviewed. Allow 10–21 business days.
Cannabis Social Club alternative
If declined and for recreational use, the CSC offers a legal and much cheaper path.
FAQ
Does Concordia reimburse cannabis?
Sativex® for MS yes; other products require an individual cost-approval.
Processing time?
10–21 business days at Concordia.
Cost without coverage?
CHF 8–15/g THC flower, CHF 60–120/bottle dronabinol.
Supplementary insurance useful?
No, supplementary insurance almost never covers cannabis on its own.