DIVERSA Supplementary Insurance
DIVERSA Supplementary Insurance is a made-to-measure supplement to basic insurance. Depending on one’s personal situation and individual demands, you choose one of the four variants of DIVERSA. Families, in particular, can benefit.
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The choice is yours!
The supplementary insurance for all needs and situations is available in four variants.
- Scheduled outpatient medical treatments abroad (after commitment to provide coverage)
- Outpatient and inpatient coverage in the event of emergencies abroad
- Contributions towards search and rescue costs worldwide
- Legal protection for patients, even outside of Europe
- Contributions towards the long-lasting vision correction provided by refractive surgery (e.g. laser eye surgery)
- Contributions towards benefits for families
- Higher contributions than with DIVERSA, DIVERSAcare and DIVERSAplus
- And more
- Outpatient and inpatient coverage in case of emergencies abroad
- Contributions towards the cost of such things as:
- Medicines not covered by mandatory insurance
- Vaccinations
- Eyeglass lenses, contact lenses
- Corrective dentistry
- Ear surgery
- Search and rescue costs worldwide
- Higher contributions than with DIVERSA and DIVERSAcare
- And more
- Outpatient and inpatient coverage in case of emergencies abroad
- Contributions towards benefits for families such as:
- Rooming-in. You stay overnight with your children in the hospital.
- 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.
- 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
- Vaccinations, corrective dentistry, ear surgery, or eyeglass lenses and contact lenses
- Legal protection for patients
- And more
- Outpatient and inpatient coverage in case of emergencies abroad
- Contributions towards things such as:
- Medicines not covered by mandatory insurance
- Vaccinations
- Eyeglass lenses and contact lenses
- Corrective dentistry
- Ear surgery
- Search and rescue costs worldwide
- For families: You pay only CHF 4 per month for premiums for children up to the age of 15
- And more
Frequently asked questions:
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Care for a sick or injured child
The service offers a very helpful relief to working parents You know that your sick or injured child (age 4 to age 12) is in good hands.
If required, call the concordiaMed 24-hour emergency service at the telephone number +41 (0)41 210 02 50 . Within a few hours, CONCORDIA arranges, with the aid of qualified contract partners, for a qualified and experienced caregiver to care for your child at home.
CONCORDIA reimburses a maximum of CHF 30 out of the supplementary insurance DIVERSAcare and a maximum of CHF 50 out of DIVERSApremium, for a maximum of CHF 600 per calendar year.
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Partner for Legal Protection for Patients
As a patient, you receive legal assistance from our contract partner, Protekta Legal Protection Insurance Ltd., in the event of contractual disputes or disputes regarding questions of liability with medical benefits providers. This can be done, for example, in the event of medical malpractice or false diagnoses.
CONCORDIA reimburses a maximum of CHF 300,000 out of the supplementary insurance DIVERSAcare and a maximum of CHF 500,000 out of DIVERSApremium for legal protection for patients within Europe, and a maximum of CHF 50,000 outside of Europe.
In the event of a claim, fill out the form (German, French, Italian)
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Rooming-in
If mummy isn't there, everything is upside-down. In any case, with infants who must be breastfed, or toddlers who up until now have only been cared for by the parents. The separation of an infant from the mother or a toddler from the parents can therefore be stressful for both sides. To reduce the stress, most hospitals offer a so-called "rooming-in" option. This means that parents may accompany a sick child in the hospital and remain with him for the duration of the stay. The reverse is also true: If, for example, the mother must be hospitalised, she is allowed to bring her toddler with her.
CONCORDIA pays a maximum of CHF 60 out of the supplementary insurance DIVERSAcare and a maximum of CHF 100 out of DIVERSApremium per night of the stay of the accompanying parent in the hospital where the child (until the age of 10) is staying or vice versa (max. ten nights per calendar year).
In addition, CONCORDIA pays out of all hospital insurances a contribution of a maximum of CHF 60 per day towards the stay of the accompanying parent in the hospital where the child is staying or vice versa. It is irrelevant whether the patient is insured with PRIVATE, SEMI-PRIVATE, LIBERO or GENERAL Hospital Insurance.
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What are the advantages of DIVERSA supplementary insurance for our family?The supplementary insurance policy DIVERSA is free from the third child if the same supplementary policies have been taken out for the first two children. Further supplementary cover can be provided on an individual basis. To find out more, please contact your advisor at your CONCORDIA agency.
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Which benefits abroad can I obtain supplementary cover for with DIVERSA?In the event of emergencies, DIVERSA provides unlimited cover for rescue and transport costs abroad. Inpa-tient and outpatient treatment is covered at standard local rates worldwide.
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Do DIVERSA policies contribute towards the costs of glasses and contact lenses?Yes. The amount of the contribution depends on the type of DIVERSA policy you have concluded.
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Do DIVERSA policies contribute towards the costs of orthodontic treatment?Costs of orthodontic treatment are covered until the age of 22. Depending on the type of DIVERSA policy, the contribution is between 50% and 75% of the costs.
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Do DIVERSA policies have deductibles?No. No deductible is charged for DIVERSA supplementary insurance policies.