Overview of health insurance companies: Concordia
Health insurance companies
Concordia
CONCORDIA Luzern
DIVERSApremium
Free medical advice by telephone
Overnight stay in the event of an outpatient procedure: 75 %, max. CHF 200/year
Rooming-in: up to CHF 100/night, max. 10 overnight stays in family room for delivery: CHF 100/night, max. 5 overnight stays (waiting period of 1 year) Care for sick/injured child2: CHF 50/hr., max. CHF 600/year
For medicines not covered by basic insurance (if registered by Swissmedic): 75 %
All other vaccinations: 90 %
Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 75 % Inpatient (oral surgery and orthodontics): contracted hospitals, general ward in canton of residence
up to the age of 18: CHF 300/year age 18 and over CHF 300/3 years
50 %, max. CHF 600/5 years (waiting period of 1 year)
Outpatient medical treatment (deductible CHF 1,000): 75 %, max. CHF 10,000/year
Search operations for rescue and recovery1: max. CHF 20,000 Rescue and transport costs1: unlimited Illness or accident1: inpatient max. 75 days, outpatient local rates
Search and rescue costs: max. CHF 25,000 Transport costs: unlimited
75 %, max. CHF 3,000/3 years
Spa cures: CHF 50/day, max. 21 days/year Convalescence cures: CHF 50/day, max. 21 days/year
Household help: CHF 50/day, max. 30 days/year
50 %, max. CHF 2,000
No deductible (except for scheduled outpatient medical treatments abroad)
In Europe: max. CHF 500,000 Outside of Europe: max. CHF 50,000
DIVERSAcare
Free medical advice by telephone
Overnight stay in the event of an outpatient procedure: 50 %, max. CHF 200/year
Rooming-in: up to CHF 60/night, max. 10 overnight stays in family room for delivery: CHF 60/night, max. 5 overnight stays (waiting period of 1 year) Care for sick/injured child2: CHF 30/hr., max. CHF 600/year
For medicines not covered by basic insurance (if registered by Swissmedic): 50 %
All other vaccinations: 90 %
Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 50 % Inpatient (oral surgery and orthodontics): contracted hospitals, general ward in canton of residence
up to the age of 18: CHF 200/year age 18 and over CHF 200/3 years
50 %, max. CHF 400/5 years (waiting period of 1 year)
Search operations for rescue and recovery1: max. CHF 10,000 Rescue and transport costs1: unlimited Illness or accident1: inpatient max. 45 days, outpatient local rates
Search and rescue costs: max. CHF 15,000 Transport costs: unlimited
75 %, max. CHF 2,000/3 years
Spa cures: CHF 30/day, max. 21 days/year Convalescence cures: CHF 30/day, max. 21 days/year
Household help: CHF 50/day, max. 30 days/year
50 %, max. CHF 2,000
No deductible (except for scheduled outpatient medical treatments abroad)
NATURAplus
Free medical advice by telephone
More than 130 methods (recognised by CONCORDIA);
Treatment including prescribed remedies;
Treatment by naturopaths: 75 %, max. CHF 6,000/year
Treatment by therapists: 75 %, max. CHF 2,000/year
Childbirth preparation course and breastfeeding consultation;
pregnancy, pelvic floor and postnatal exercise;
baby swimming course 50 %, max. CHF 200/area and year
More areas: max. CHF 500/year
Back and posture training, physical fitness, CONCORDIA
Sport-Bonus, etc. 50 %, max. CHF200/area and year
More areas: max. CHF 500/year
90 %, max. CHF 500/year (if recognised by CONCORDIA)
NATURA
Free medical advice by telephone
More than 70 methods (recognised by CONCORDIA);
Treatment including prescribed remedies;
Treatment by naturopaths: 75 %, max. CHF 4,000/year
Treatment by therapists: 75 %, max. CHF 1,500/year
Childbirth preparation course and breastfeeding consultation;
pregnancy, pelvic floor and postnatal exercise;
baby swimming course 50 %, max. CHF 200/area and year
More areas: max. CHF 500/year
Back and posture training, physical fitness, CONCORDIA
Sport-Bonus, etc. 50 %, max. CHF200/area and year
More areas: max. CHF 500/year
90 %, max. CHF 500/year (if recognised by CONCORDIA)
Allgemein
Free medical advice by telephone
Two-bed room Free choice of hospital, throughout Switzerland Free choice of doctor in the hospital
Rooming-in: up to CHF 60/night towards accommodation costs of parents in the hospital room of their children Payout for outpatient or home birth: CHF 1,000
For certain illnesses and in case of dental accident: insured ward in contracted hospital throughout Switzerland
Spa cures: CHF 50/day, max. 21 days/year Convalescence cures: CHF 50/day, max. 21 days/year
CHF 50/day, max. 30 days/year
Deductible options: CHF 0 to 10,000/year No retention fee
Halb privat
Free medical advice by telephone
Multibed room
Rooming-in: up to CHF 60/night towards accommodation costs of parents in the hospital room of their children
Payout for outpatient or home birth: CHF 300
For certain illnesses and in case of dental accident: insured ward in contracted hospital throughout Switzerland
Spa cures: CHF 30/day, max. 21 days/year Convalescence cures: CHF 30/day, max. 21 days/year
CHF 30/day, max. 30 days/year
No deductible
No retention fee
Privat
concordiaMed premium: Free medical advice by telephone as well as direct appointment scheduling
Room with one bed Free choice of hospital, worldwide Free choice of doctor in the hospital
Rooming-in: up to CHF 60/night towards accommodation costs of parents in the hospital room of their children Payout for outpatient or home birth: CHF 1,500
For certain illnesses and in case of dental accident: insured ward in contracted hospital throughout Switzerland
Worldwide (for treatment methods recognised in Switzerland)
Spa cures: CHF 70/day, max. 21 days/year Convalescence cures: CHF 70/day, max. 21 days/year
CHF 70/day, max. 30 days/year
Deductible options: CHF 0 to 10,000/year No retention fee
Privat Weltweit
concordiaMed premium: Free medical advice by telephone as well as direct appointment scheduling
Room with one bed Free choice of hospital, worldwide Free choice of doctor in the hospital
Rooming-in: up to CHF 60/night towards accommodation costs of parents in the hospital room of their children Payout for outpatient or home birth: CHF 1,500
For certain illnesses and in case of dental accident: insured ward in contracted hospital throughout Switzerland
Worldwide (for treatment methods recognised in Switzerland)
Spa cures: CHF 70/day, max. 21 days/year Convalescence cures: CHF 70/day, max. 21 days/year
CHF 70/day, max. 30 days/year
Deductible options: CHF 0 to 10,000/year No retention fee
Libero
Free medical advice by telephone
According to the hospital ward chosen upon entering the hospital
Rooming-in: up to CHF 60/night towards accommodation costs of parents in the hospital room of their children Payout for outpatient or home birth: CHF 300
For certain illnesses and in case of dental accident: insured ward in contracted hospital throughout Switzerland
Spa cures: CHF 30/day, max. 21 days/year. Convalescence cures: CHF 0/day, max. 21 days/year
CHF 30/day, max. 30 days/year, within a period of 365 days
PRIVATE: Retention fee 35 %, max. CHF 4,000/year
SEMIPRIVATE3: Retention fee 20 %, max. CHF 2,000/year
GENERAL: no retention fee
DIVERSA
Free medical advice by telephone
For medicines not covered by basic insurance (if registered by Swissmedic): 50 %
All other vaccinations: 90 %
Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 50 % Inpatient (oral surgery and orthodontics): contracted hospitals, general ward in canton of residence
up to the age of 18: CHF 150/year age 18 and over CHF 150/3 years
Search operations for rescue and recovery1: max. CHF 10,000 Rescue and transport costs1: unlimited Illness or accident1: inpatient max. 45 days, outpatient local rates
Search and rescue costs: max. CHF 10,000 Transport costs: unlimited
75 %, max. CHF 2,000/3 years
Spa cures: CHF 30/day, max. 21 days/year Convalescence cures: CHF 30/day, max. 21 days/year
Household help: CHF 50/day, max. 30 days/year
50 %, max. CHF 2,000
No deductible (except for scheduled outpatient medical treatments abroad)
DIVERSAplus
Free medical advice by telephone
For medicines not covered by basic insurance (if registered by Swissmedic): 75 %
All other vaccinations: 90 %
Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 75 % Inpatient (oral surgery and orthodontics): contracted hospitals, general ward in canton of residence
up to the age of 18: CHF 250/year age 18 and over CHF 250/3 years
Search operations for rescue and recovery1: max. CHF 20,000 Rescue and transport costs1: unlimited Illness or accident1: inpatient max. 60 days, outpatient local rates
Search and rescue costs: max. CHF 20,000 Transport costs: unlimited
75 %, max. CHF 3,000/3 years
Spa cures: CHF 50/day, max. 21 days/year Convalescence cures: CHF 50/day, max. 21 days/year
Household help: CHF 50/day, max. 30 days/year
50 %, max. CHF 2,000
No deductible