Hospital Insurance
Life happens and with it, events occur that may lead to a hospital stay. You have the choice of three supplementary hospital insurance plans tailored to your individual needs – PREMIUM, CARE or GENERAL.
CONCORDIA Hospital Insurance – your advantages
Select the range of benefits for your supplementary hospital insurance:
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PREMIUM
First class services worldwide
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CARE
Private, semi-private or general - you are free to choose the ward upon admission into the hospital
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GENERAL
Free choice of hospital – in Liechtenstein and throughout Switzerland
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| Hospital choice |
Worldwide
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In Liechtenstein, Switzerland and in hospitals recognised by CONCORDIA in Germany and Austria
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In Liechtenstein and throughout Switzerland
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| Free choice of doctor in the hospital |
Worldwide
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In the private and semi-private wards
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| Hotel service |
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In the private and semi-private wards
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| Full coverage of costs |
At the rate recognised by the insurer
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At the rate recognised by the insurer
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At the rate recognised by the insurer
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| More Information |
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Frequently asked questions regarding hospital stays
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I have to go to the hospital. What do I have to do?
In the event of an emergency, ordinarily, you will be admitted into a hospital on the Liechtenstein hospital list . With the help of your CONCORDIA health insurance card – carry it with you at all times! – the hospital can find the address for further information regarding your insurance coverage. The hospital will contact CONCORDIA directly for a confirmation of cover.
In the event of an emergency while abroad, call the concordiaMed 24-hour emergency service immediately if you have DIVERSA, DIVERSAcare, DIVERSAplus, DIVERSApremium or 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 Liechtenstein hospital list, generally speaking, no actions are necessary before hospital admission. The hospital will request the confirmation of cover directly from CONCORDIA. We recommend that you bring your health insurance card with you when being admitted into the hospital.
For a planned hospital stay in the general ward of a hospital that is not on the Liechtenstein hospital list as well as in the semi-private or private ward of any hospital, the hospital will inform you of the following in the admission orders:
- if you must bring a confirmation of cover with you. To do so, please contact CONCORDIA Representation in Liechtenstein.
- if the clinic will contact CONCORDIA directly for a confirmation of cover: We recommend that you bring 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 the financial consequences. In particular, the patient must be made aware if a treatment is not (completely) covered by the insurance.
In any case, if there are any uncertainties, please consult CONCORDIA Representation in Liechtenstein before a planned hospital stay to find out how the assumption of costs are handled by CONCORDIA.
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My toddler has to be hospitalised for an operation. I don't want to leave my daughter alone during this difficult period, and I would like to be there as much as possible for her. Can I stay with her in the hospital even overnight?
The separation of an infant from the mother or a toddler from the parents can be stressful for both sides. To reduce this, most hospitals offer a so-called "rooming in" option. 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 out of all hospital insurance plans a contribution of a maximum of CHF 60 per day towards the stay of the accompanying parent in the room of the insured child or vice versa. CONCORDIA contributes up to CHF 100 per night towards these overnight costs from PREMIUM Hospital Insurance.
CONCORDIA pays a maximum of CHF 60 out of DIVERSAcare supplementary insurance and a maximum of CHF 100 out of DIVERSApremium per night of the stay of the accompanying parent in the hospital where the insured child (until the age of 10) is staying or vice versa (max. ten nights per calendar year). -
In the near future, I'm in store for a serious operation. I would like to be treated for it in a German clinic of my choice. Does CONCORDIA assume the costs?
With PREMIUM and PRIVATE Hospital Insurance, you are free to choose your clinic or hospital around the world whilst enjoying full coverage in the private ward. With CARE Hospital Insurance, you also enjoy full cover in certain hospitals in Germany and Austria. In any case, before a planned hospital stay abroad, please contact CONCORDIA Representation in Liechtenstein at your earliest convenience so that the forthcoming hospital stay may be planned in an optimum manner.
In addition, with PREMIUM 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.