Explained in simple, easy-to-understand terms

Statement of benefits and invoice checks

After a visit to a doctor, a stay in hospital or medical treatment, you will receive a statement of benefits from CONCORDIA. How does this work?

Every medical treatment has to be paid for, whether it’s provided by a doctor, at hospital or by a therapist – in short, all services you receive. The health insurance covers many of these benefits. Medical practitioners and hospitals often settle invoices directly with the health insurer and send the insured person a copy of the bill for information purposes only. Once the health insurer has checked and paid the invoice, it sends the insured persons what is known as a statement of benefits. The same applies to bills that the insured persons paid themselves and were then reimbursed.

What information does a statement of benefits contain?

The main information it contains is your own details, the details of the medical practitioners who treated you and a summary of the costs of the treatments provided. A detailed explanation and description is provided in the information about the statement of benefits.

If a healthcare provider – for example a doctor, a therapist or a hospital – sends the invoice directly to CONCORDIA, they must send you a copy at the same time. This is required by law.

Our tip:

Always check invoices or copies of invoices from doctors, hospitals and therapists carefully. Checking the bill will enable you to spot any errors and thus save costs for yourself and all insured persons.

Why do invoices have to be checked?

Sometimes, mistakes can also be made on invoices for medical treatments. CONCORDIA has a team of experts who are dedicated solely to checking invoices. If we notice something unusual, we ask the healthcare provider – i.e. the doctor, therapist or hospital – or the customer. Then some mistakes can only be spotted by you yourself – for instance, if two packages of a certain painkiller are charged on the invoice even though you only received one, or if the bill states that you spent an hour at your doctor’s when you were actually only there for 30 minutes. Those are things that only you can know. For that reason, we would be very grateful if you can help us with checking invoices. In the best-case scenario, a mistake you discover could have a direct impact on your outstanding invoice. You will also help to save costs for all insured persons.

Did you know that CONCORDIA saves several hundred million francs for its customers every year through checks on statements of benefits? CONCORDIA will look at your bill very carefully – but some mistakes can only be discovered by you. We look forward to receiving your support!

What should you do if you discover an error on an invoice?

You can find all the important information on this topic in the instructions for checking invoices.

Check your bills and help us to cut costs for all our insured persons.
  • Are the dates and the number of consultations correct?
  • Are the times charged for correct?
  • Has the supplement for emergencies (immediate treatment without a waiting period) been charged correctly? Was it genuinely an emergency?
  • Please also check whether the information, for instance the quantities, about the medicines and medical aids charged for are correct.
If you spot a mistake, please note it down on a separate sheet of paper and send this together with the invoice or invoice copy to your CONCORDIA agency.

What if the healthcare provider settles the bill directly with CONCORDIA and doesn’t send you a copy?

You can view invoices that the healthcare provider sent to CONCORDIA directly in the myCONCORDIA customer portal in digital form – at any time and from any place.

Alternatively, you can download a form, fill it in in full and then give it to your doctor or the hospital. This way, you will also receive an invoice copy in the future. Invoice copies are provided free of charge. The document is intended for you yourself. Please only forward it to CONCORDIA in the event of inconsistencies or errors.