Hospital Insurance

With CONCORDIA's supplementary hospital insurance, depending on the variant, you get access to doctors and hospitals in Switzerland or worldwide and enjoy more comfort and flexibility. Hospital Insurance 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 CONCORDIA agency.

The great advantage of PRIVATE and SEMI-PRIVATE Hospital Insurance over GENERAL Hospital Insurance is that it offers free choice of doctors and hospitals in Switzerland. With PRIVATE Hospital Insurance, this option even applies worldwide.

• With PRIVATE, SEMI-PRIVATE and LIBERO Hospital Insurance, you can choose any hospital from those recognised by CONCORDIA as well as the doctor in the hospital in Switzerland. With PRIVATE Hospital Insurance, this applies anywhere in the world.
• Please note that there are hospitals that are not on any cantonal hospital list and with which CONCORDIA has not concluded a contract. No benefits can be paid at such hospitals, regardless of the insurance taken out.

In the event of an emergency in Switzerland, ordinarily, you will be admitted into a hospital on the cantonal hospital list for your canton of residence. With the help of your CONCORDIA health insurance card – always carry it with you! – the hospital can find the address for further information regarding your insurance coverage. The hospital will contact CONCORDIA directly for confirmation of cover.

In the event of an emergency while abroad, call the concordiaMed 24-hour emergency service immediately if you have DIVERSA, DIVERSA^care, DIVERSA^plus, DIVERSA^premium or PRIVATE Hospital Insurance. You will find the number on your health insurance card.

For a planned hospital stay in the general ward of a hospital found on the cantonal hospital list of your canton of residence, generally speaking, no action is necessary before hospital admission. The hospital will request confirmation of cover directly from CONCORDIA. We recommend that you take your health insurance card with you when you are admitted into hospital.

For a planned hospital stay in a general ward of a hospital outside of the canton or in a semi-private or private ward of any hospital, the hospital will inform you of the following in the admission orders:
o if you are required to take a confirmation of cover with you, please contact your CONCORDIA agency.
o if the clinic intends to contact CONCORDIA directly for confirmation of cover: we recommend that you take your health insurance card with you when being admitted into the hospital.

The doctor and the hospital must inform the patient fully about the treatment as well as about its financial consequences. In particular, the patient must be made aware if a treatment is not (completely) covered by their insurance.

In any case, if there is any doubt, please consult your CONCORDIA agency before a planned hospital stay to find out how the assumption of costs is handled by CONCORDIA.

When choosing a general ward in a listed hospital in the canton of residence: Every canton compiles a cantonal list of hospitals, which may also contain hospitals outside of the canton. In the event of inpatient treatment in a general ward of a listed hospital in your canton of residence, the costs are fully covered by mandatory health care insurance within the context of the benefit mandate for this listed hospital.

When choosing a general ward of a hospital on the hospital list in another canton (listed hospital in that canton): If an inpatient treatment takes place in a general ward of a so-called listed hospital in that other canton, only the costs in line with the tariff that applies for the treatment in question at a listed hospital in your canton of residence are covered. Any such gaps in coverage can be covered by GENERAL Hospital Insurance. Persons who have no hospital insurance must account for the gaps in coverage themselves for treatments in a general ward of a hospital on the hospital list of another canton. In the event of treatments due to medical conditions or emergencies, the costs are fully covered.

When choosing a contracted hospital: CONCORDIA may conclude a contract with hospitals that are not on the hospital list. For such contracted hospitals, GENERAL Hospital Insurance bears the full costs for the treatment in a general ward. Persons who have no hospital insurance are not fully insured for a stay in a contracted hospital and must account for a large part of the costs themselves.

When choosing a private or semi-private ward throughout Switzerland: For inpatient treatment in the private or semi-private ward of a hospital in Switzerland, a part of the costs is assumed by basic insurance and the rest by either PRIVATE or SEMI-PRIVATE Hospital Insurance. The prerequisite for the costs to be assumed is the existence of a tariff contract between the hospital and CONCORDIA for that ward. CONCORDIA endeavours, to the best extent possible, to conclude contracts with high-quality, efficiently operating hospitals and affiliated physicians for private and semi-private wards with a free choice of doctor. Hospitals with which no contract has been stipulated and therefore that do not cover costs fully under some circumstances can be found on the attached list of hospitals without full coverage of costs for hospital insurance.

Caution is required when choosing hospitals for which no costs at all will be assumed. There are hospitals that, under certain circumstances, do not appear on the cantonal list and with which no contract has been stipulated. No benefits at all may be provided for such hospitals, regardless of the existing insurance.

In case of doubt, please consult your CONCORDIA agency before a planned hospital stay to find out how the assumption of costs is handled by CONCORDIA.

The separation of an infant from their mother or a toddler from parents can be stressful for all. To reduce this, most hospitals offer a so-called "rooming in" option. Parents may accompany a sick child in the hospital and remain with them for the duration of the stay. The reverse is also true: If, for example, a mother must be hospitalised, she can bring her toddler with her.

CONCORDIA pays a contribution up to a maximum of CHF 60 per day out of all supplementary hospital insurances towards the stay of an 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.

CONCORDIA pays a maximum of CHF 60 out of the supplementary insurance DIVERSA^care and a maximum of CHF 100 out of DIVERSA^premium per night of the stay for the accompanying parent in the hospital where the child (up to the age of 10) is staying or vice versa (max. ten nights per calendar year).

With PRIVATE Hospital Insurance, you are free to choose your clinic or hospital around the world whilst enjoying full coverage in a private ward. In any case, before a planned hospital stay abroad, please contact your CONCORDIA agency at your earliest convenience so that the forthcoming hospital stay can be planned in the best manner.

In addition, with PRIVATE Hospital Insurance, you benefit from the advantage of concordiaMed premium. With this comprehensive package of benefits, you have quick and direct access to doctors and hospitals. You also enjoy the best service and personal care and can take advantage of exclusive health counselling around the clock.

No, the deductible is only paid once a year. Even if you have to be hospitalised numerous times during the same calendar year, you are only required to pay the deductible once. The situation is different when it comes to a hospital stay that lasts into the new year. In the event of a short-term hospital stay lasting up to 30 days, the deductible is charged only once. If the stay lasts more than 30 days, the deductible is charged for both years.

However, with hospital insurance, the opportunity exists where no deductible has to be paid. When being admitted into the hospital, you choose the ward in which you would like to be treated. If you have private insurance and, for example, you choose to stay in the semi-private ward, you only pay half of the deductible. If you choose to be treated in a general ward, you will not be charged any deductible. Hospital insurance with a high deductible doesn't only allow for monthly discounts, but it also leaves some ‘wriggle-room’ for personal decisions.