• Alternative cures – complementary medicine

    • Anthroposophic medicine, homoeopathy, phytotherapy, acupuncture and medicinal therapy of Traditional Chinese Medicine when practised by doctors with the appropriate additional training

  • Dental

    • For certain illnesses and in case of dental accident: outpatient treatment and inpatient treatment in a hospital as per the cantonal hospital list

  • Medical preventive care, check-ups

    • Basic coverage in accordance with statutory benefits

  • Treatment abroad, in case of emergency

    • In EU/EFTA countries, the insurance card is necessary.
    • Within EU/EFTA countries: with European insurance health card: rates of the respective countries
    • Outside of EU/EFTA countries: max. of double the rate in Switzerland (inpatient treatment: max. 90% of the costs that the hospital stay would have generated in Switzerland)

  • How to change HMO practice

    If you are insured under the HMO model, you can change to another HMO practice with effect from the first of the following month. Please contact your nearest agency to do so.

  • Protective and travel vaccinations

    • Vaccinations in accordance with the statutory benefits

  • Medical aids

    • Basic coverage in accordance with statutory benefits

  • Medication

    • Medication prescribed by a doctor and covered by mandatory health care insurance

  • Search and rescue costs
    Ambulance transport (Switzerland)

    • Rescue costs: 50 %, max. CHF 5,000/year
    • Transport costs: 50 %, max. CHF 500/year

  • Cure at a spa/sanatarium

    • Spa cures: CHF 10/day, max. 21 days/year, doctor and therapy costs
    • Convalescence cures: doctor and therapy costs

  • Outpatient treatment – orthodox medicine

    • Treatment by doctors and other recognised medical personnel (such as chiropractors, midwives)

  • Inpatient treatment – hospital stay

    • General ward in a hospital pursuant to the cantonal hospital list

  • Cost sharing

    • Deductibles up to the age of 18: CHF 0, 100, 200, 300, 400, 500 or 600/year, 10 % retention fee, max. CHF 350/year
    • Deductibles from the age of 18: CHF 300, 500, 1'000, 1'500, 2'000 or 2'500/year, 10 % retention fee, max. CHF 700/year
    • Generic medicine: 10 %; selected original preparations: 20 %

  • concordiaMed

    • Free medical advice by telephone
    • 24-hour emergency service

  • Home nursing and domestic help

    • Home nursing (Spitex): basic coverage in accordance with statutory benefits

  • Eyeglass lenses and contact lenses

    • Up to the age of 18: CHF 180/year

  • Maternity, family

    • CHF 150 for childbirth preparation course with a midwife
    • 3 breastfeeding consultations with a midwife or nurse
    • Basic coverage as per statutory benefits for home or outpatient birth