Supplementary insurances
The ideal complement to basic insurance

DIVERSA Supplementary Insurance

DIVERSA supplementary insurance is the ideal complement to basic insurance. Our choice of four DIVERSA policies offer coverage for any event. DIVERSA is especially suited for families.

DIVERSA supplementary insurance – Your advantages

Worldwide

Worldwide

Contributions towards inpatient and outpatient treatments in case of emergencies

Individually customised insurance protection

Individually customised insurance protection

Four different options available

For families

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 as a complement to MHC PLUS higher contributions whilst offering additional benefits, even during stays or travel outside Liechtenstein.
  • Contributions to scheduled outpatient treatments abroad by non officially recognised service providers
  • 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, such as rooming-in, a family room in the event of a birth, a care service for your sick or injured child, corrective dentistry, ear surgery, or eyeglass lenses and contact lenses

  • Contributions towards 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 case of emergencies abroad

  • Contributions towards search and rescue costs worldwide

  • Contributions towards the cost of such things as:
  • Medicines 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 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

  • 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 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 case of emergencies abroad

  • Contributions to search and rescue costs worldwide

  • Contributions towards things such as:
  • Medicines 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 6 per month in premiums for children up to the age of 15

 

 

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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 and DIVERSAplus:

    • Benefits subsequent to MHC PLUS for non-authorised benefit providers from Liechtenstein and Switzerland

  • Maternity, family

    DIVERSApremium:

    • Care for sick/injured child1: CHF 50/hr., max. CHF 600/year
    • Rooming-in2: 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 270 days)
    • Course for emergencies with small children: 50 %, max. CHF 200/3 years

    DIVERSAcare:

    • Care for sick/injured child1: CHF 30/hr., max. CHF 600/year
    • Rooming-in2: 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 270 days)
    • Course for emergencies with small children: 50 %, max. CHF 200/3 years

    1 organised by CONCORDIA
    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 41 210 02 50 . Within a few hours, CONCORDIA arranges, with the aid of the Familienhilfe Liechtenstein association, for a qualified and experienced caregiver to care for your child at home.
    Learn more

    2 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 or GENERAL Hospital Insurance.

  • Medication

    For medicines not covered by mandatory insurance (if recognised in Liechtenstein):

    DIVERSApremium and DIVERSAplus:

    • 75 %

    DIVERSAcare and DIVERSA:

    • 50 %

  • Medical preventive care, check-ups

    DIVERSApremium and DIVERSAplus:

    • Benefits subsequent to MHC PLUS for non-authorised benefit providers from Liechtenstein and Switzerland

  • Dental

    DIVERSApremium and DIVERSAplus:

    • Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 75 %
    • Inpatient (oral surgery): contracted hospitals, general ward

    DIVERSAcare and DIVERSA:

    • Outpatient (orthodontics up to the age of 22, temporomandibular joint discomforts, etc.): 50 %
    • Inpatient (oral surgery): contracted hospitals, general ward

  • 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 years (waiting period of 1 year)

    DIVERSAcare:

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

  • Treatment abroad, scheduled

    DIVERSApremium:

    • Benefits subsequent to MHC PLUS for non-authorised benefit providers, max. CHF 3,000/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

    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:

    • CHF 50/day, max. 21 days/calendar year for each type of cure

    DIVERSAcare and DIVERSA:

    • CHF 30/day, max. 21 days/calendar year for each type of cure

  • 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

    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

    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).

  • Cost sharing

    All variants of DIVERSA:

    • No deductible

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