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Supplementary Insurances
The ideal complement to basic insurance

DIVERSA Supplementary Insurance

DIVERSA supplementary insurance is the ideal complement to basic insurance. Would you like to benefit from insurance coverage abroad or do you wear glasses? Our choice of four DIVERSA policies offer coverage for any event. DIVERSA is especially suited for families.

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Prenatal
Gender

DIVERSA supplementary insurance – Your advantages

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Worldwide

Contributions towards inpatient and outpatient treatment in cases of emergency

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Individually customised insurance protection

Four different options available

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For families

Special benefits – attractive premiums for children

Select your DIVERSA supplementary insurance

The supplementary insurance for all needs and situations is available in four options.

Do you travel abroad often? This is your ideal supplementary insurance. DIVERSApremium is suitable for insured persons with the highest requirements in terms of quality and security, since it pays higher contributions whilst offering additional benefits, even during stays or travel outside Switzerland.

  • Scheduled outpatient medical treatment abroad (after commitment to provide coverage)

  • Outpatient and inpatient coverage in the event of emergency abroad

  • Contributions towards search and rescue costs worldwide

  • Legal protection for patients, even outside Europe

  • Contributions towards long-lasting vision correction provided by refractive surgery (e.g. laser eye surgery)

  • Contributions towards benefits for families

  • Contributions towards vaccinations, corrective dentistry, ear surgery, as well as spectacles and contact lenses

Do you wear glasses or contact lenses? Are contributions to spa and recovery therapies important to you? Thanks to its additional benefits, DIVERSAplus supplementary insurance provides outstanding insurance protection and much more peace of mind.

  • Outpatient and inpatient coverage in cases of emergency abroad

  • Contributions towards search and rescue costs worldwide

  • Contributions towards the cost of such things as:

  • Medicines not covered by mandatory insurance
  • Vaccinations not covered by mandatory insurance
  • Spectacles, contact lenses
  • Corrective dentistry
  • Ear surgery
  • Domestic help
  • Spa and recovery therapies
Do you want to provide your family with a head start? DIVERSAcare supplementary insurance pays higher contributions and supplementary benefits that are particularly attractive for families and parents-to-be. Legal protection for patients is also included.

  • Contributions towards benefits for families such as:

  • Rooming-in: You can stay with your child in the hospital overnight
  • Family room in the event of a birth: You, as a brand-new father, stay with your new-born child and the mother in the hospital. The insurance cover of the mother applies
  • Course for emergencies with small children. Learn how to help your child in the event of an emergency
  • Care service for your sick or injured child

  • Outpatient and inpatient coverage in cases of emergency abroad

  • Contributions to search and rescue costs worldwide

  • Legal protection for patients, also outside Europe

  • Contributions towards vaccinations, corrective dentistry, ear surgery, as well as spectacles and contact lenses

Would you like to have additional cover over and above basic insurance? DIVERSA supplementary insurance supplements basic insurance on important risks and at favourable premiums.

  • Outpatient and inpatient coverage in cases of emergency abroad

  • Contributions towards search and rescue costs worldwide

  • Contributions towards the cost of such things as:

  • Medicines not covered by mandatory insurance
  • Vaccinations not covered by mandatory insurance
  • Spectacles and contact lenses
  • Corrective dentistry
  • Ear surgery
  • Domestic help
  • Spa and recovery therapies

  • For families: You pay only CHF 4 per month in premiums for children up to the age of 15

I am interested in DIVERSA supplementary insurance

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DIVERSA: Insurance and Benefits

or

Insurance and Benefits with CONCORDIA

  • concordiaMed

    All variants of DIVERSA:

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

  • Outpatient treatment – orthodox medicine

    DIVERSApremium:

    • Overnight stay in the event of an outpatient procedure: 75 %, max. CHF 200/calendar year

    DIVERSAcare:

    • Overnight stay in the event of an outpatient procedure: 50 %, max. CHF 200/calendar year

  • Maternity, family

    DIVERSApremium:

    • Rooming-in: CHF 100/night, max. 10 overnight stays
    • Family room in the event of a birth: CHF 100/night, max. 5 overnight stays (waiting period of 1 year)
    • Care for sick/injured child1: CHF 50/hr., max. CHF 600/calendar year

    DIVERSAcare:

    • Rooming-in: CHF 60/night, max. 10 overnight stays
    • Family room in the event of a birth: CHF 60/night, max. 5 overnight stays (waiting period of 1 year)
    • Care for sick/injured child1: CHF 30/hr., max. CHF 600/calendar year

    1 organised by CONCORDIA; from age 4 and prior to age 12

    The DIVERSA supplementary insurance policy is free from the third child if the same supplementary policies have been taken out for the first two children. Therefore, you pay the DIVERSA premiums not for three, but for two children only.

  • Medication

    For medicines not covered by basic insurance (if registered by Swissmedic):

    DIVERSApremium and DIVERSAplus:

    • 75 %

    DIVERSAcare and DIVERSA:

    • 50 %

  • Protective and travel vaccinations

    All variants of DIVERSA:

    • All vaccinations other than those covered by the statutory benefits: 90 %

  • Dental

    DIVERSApremium and DIVERSAplus:

    • Outpatient (orthodontics up to the age of 22, temporomandibular joint complaints, etc.): 75 %
    • Inpatient (oral surgery): general ward in hospital as per the cantonal hospital list

    DIVERSAcare and DIVERSA:

    • Outpatient (orthodontics up to the age of 22, temporomandibular joint complaints, etc.): 50 %
    • Inpatient (oral surgery): general ward in hospital as per the cantonal hospital list

  • Spectacles and contact lenses

    DIVERSApremium:

    • Up to the age of 18: CHF 300/calendar year
    • Age 18 and over: CHF 300/3 calendar year

    DIVERSAplus:

    • Up to the age of 18: CHF 250/calendar year
    • Age 18 and over: CHF 250/3 calendar year

    DIVERSAcare:

    • Up to the age of 18: CHF 200/calendar year
    • Age 18 and over: CHF 200/3 calendar year

    DIVERSA:

    • Up to the age of 18: CHF 150/calendar year
    • Age 18 and over: CHF 150/3 calendar year

  • Refractive surgery not covered by mandatory health care insurance

    DIVERSApremium:

    • 50 %, max. CHF 600/5 calendar year (waiting period of 1 year)

    DIVERSAcare:

    • 50 %, max. CHF 400/5 calendar year (waiting period of 1 year)

  • Treatment abroad, scheduled

    DIVERSApremium:

    • Outpatient medical treatment (deductible CHF 1,000): 75 %, max. CHF 10,000/calendar year

  • Treatment abroad, in case of emergency

    DIVERSApremium:

    • 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

    DIVERSAplus:

    • 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

    DIVERSAcare:

    • 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

    DIVERSA:

    • Search operations for rescue and recovery1: max. CHF 10,000
    • Rescue and transport costs1: unlimited
    • Illness or accident1: inpatient max. 30 days, outpatient local rates

    1 organised by concordiaMed 24-hour emergency service

  • Search and rescue costs
    Ambulance transport (Switzerland)

    DIVERSApremium:

    • Search and rescue costs: max. CHF 25,000
    • Transport costs: unlimited

    DIVERSAplus:

    • Search and rescue costs: max. CHF 20,000
    • Transport costs: unlimited

    DIVERSAcare:

    • Search and rescue costs: max. CHF 15,000
    • Transport costs: unlimited

    DIVERSA:

    • Search and rescue costs: max. CHF 10,000
    • Transport costs: unlimited

  • Cure at a spa/sanatarium

    DIVERSApremium and DIVERSAplus:

    • Spa cures: CHF 50/day, max. 21 days/calendar year
    • Convalescence cures: CHF 50/day, max. 21 days/calendar year

    DIVERSAcare and DIVERSA:

    • Spa cures: CHF 30/day, max. 21 days/calendar year
    • Convalescence cures: CHF 30/day, max. 21 days/calendar year

  • Home nursing and domestic help

    DIVERSApremium and DIVERSAplus:

    • Household help: CHF 50/day, max. 30 days/calendar year

    DIVERSAcare and DIVERSA:

    • Household help: CHF 30/day, max. 30 days/calendar year

  • Medical aids

    DIVERSApremium and DIVERSAplus:

    • 50 %, max. CHF 2,000

    DIVERSAcare and DIVERSA:

    • 50 %, max. CHF 1,000

  • Legal protection for patients
    (insurance carrier: Protekta)

    DIVERSApremium:

    • In Europe: max. CHF 500,000
    • Outside of Europe: max. CHF 50,000

    DIVERSAcare:

    • In Europe: max. CHF 300,000
    • Outside of Europe: max. CHF 50,000

  • Cost sharing

    DIVERSApremium:

    • No deductible (except for scheduled outpatient medical treatments abroad)

    DIVERSAplus, DIVERSAcare and DIVERSA:

    • No deductible

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