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

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

Basic coverage in accordance with statutory benefits.

• 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)

You can switch to the smartDoc model with effect from 1 January of every year. We recommend that you submit your application to do this to a CONCORDIA agency by the end of November.

Vaccinations in accordance with the statutory benefits.

Basic coverage in accordance with statutory benefits.

• Medication prescribed by a doctor and covered by mandatory health care insurance
• Insured persons with smartDoc insurance are obliged to choose low-cost medicines. Generics, comparable low-priced original drugs and biosimilars count as low-cost medicines. The Federal Office of Public Health (FOPH) keeps a list (German) of medicines with an increased retention fee. If the insured person chooses a medicine of this kind for which a cheaper alternative product is available, only 50% of the costs will be covered. This provision does not apply if the original drug with an increased retention fee is essential for the insured person for medical reasons.

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

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

Treatment by doctors and other recognised medical specialists within the Medgate Partner Network.

General ward at a hospital according to the cantonal hospital list.

• Deductibles up to the age of 18: CHF 0, 100, 200, 300, 400, 500 or 600 per calendar year; 10% retention fee, maximum of CHF 350 per calendar year
• Deductibles from the age of 18: CHF 300, 500, 1,000, 1,500, 2,000 or 2,500 per calendar year; 10% retention fee, maximum of CHF 700 per calendar year

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

Up to the age of 18: CHF 180/year

• 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