• 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

  • 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

  • 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)

  • Eyeglass lenses 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

  • 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

  • Protective and travel vaccinations

    All variants of DIVERSA:

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

  • Medication

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

    DIVERSApremium and DIVERSAplus:

    • 75 %

    DIVERSAcare and DIVERSA:

    • 50 %

  • 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

  • concordiaMed

    All variants of DIVERSA:

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

  • Cost sharing

    DIVERSApremium:

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

    DIVERSAplus, DIVERSAcare and DIVERSA:

    • No deductible

  • Treatment abroad, scheduled

    DIVERSApremium:

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

  • Medical aids

    DIVERSApremium and DIVERSAplus:

    • 50 %, max. CHF 2,000

    DIVERSAcare and DIVERSA:

    • 50 %, max. CHF 1,000

  • 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

  • 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.

  • 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

  • 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