Supplementary insurance
Voluntary supplementary insurance as an important extension of basic health insurance.
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Comparison of Swiss supplementary insurance
With insurando’s premium calculator, you have the ability to compare outpatient benefits for supplementary insurance and supplementary inpatient hospital insurance. Health insurers in Switzerland offer a large number of interesting supplementary insurance policies. A comprehensive comparison of benefits and premiums will help you find the right product.
What is supplementary insurance?
Supplementary health insurance covers various benefits that are not covered by basic health insurance in the event of illness. It is divided into supplementary outpatient insurance and supplementary hospital insurance. Insurers often offer different products. In addition, the health insurer itself determines the amount of the premiums for supplementary insurance according to the age and risk of the insured person.
Good to know
- Supplementary insurance is a form of voluntary insurance taken out with a health insurance company.
- Benefits and premiums vary from provider to provider.
- There is no obligation on the part of the insurance company to accept you as a policyholder of supplementary insurance.
- Insurance covers benefits such as dental treatment, gym memberships and medication.
Admission criteria for supplementary insurance
The state of health and the age of the applicant determine their definitive acceptance as a policyholder and ultimately also the amount of the premiums payable.
Check now through insurando whether there would be any reservations regarding admission to supplementary insurance. (Information provided without guarantee)
Supplementary outpatient insurance
Outpatient treatment means that the patient does not have to be cared for overnight, in comparison with inpatient treatment. Supplementary outpatient insurance includes the following benefits:
- Cost sharing for fitness, wellness, indoor swimming pools and health centres.
- Preventive measures that are not covered by basic health insurance, such as travel vaccinations and special preventive examinations
- Cost sharing for additional health checks
- Payment of costs for glasses and contact lenses
- Dental treatment and dental hygiene with supplementary dental insurance
- Payment of nursing care costs
- Payment of treatment costs abroad (including outside the EU/EFTA)
- Prescribed medication not covered by basic health insurance
- Additional examinations during pregnancy
- Alternative medicine
- Psychotherapy
- Emergency transport / transport from abroad to Switzerland
Supplementary hospital insurance
Supplementary hospital insurance covers the costs incurred during hospital stays. Supplementary hospital insurance offers more comfort and better medical care during hospital stays. Supplementary hospital insurance is divided into private and semi-private. Certain supplementary insurance policies also offer the general ward with a free choice of doctor.
Private health insurance
The most popular supplementary insurance is private health insurance, also known as a private ward. In the event of a hospital stay, the insured person receives a single room with more comfort, a greater choice of different meals and care by chief physicians and better trained staff.
Semi-private ward
With semi-private insurance, the benefits are somewhat lower than with private health insurance. Nevertheless, with supplementary insurance in a semi-private ward, you receive cost coverage for a two-bed hospital room. Care by a senior physician is also guaranteed.
FAQ
Supplementary insurance should always be taken out – if possible before birth. Supplementary insurance generally rejects applications from sick and elderly people.
If you are healthy and not yet above the age of 55, it is advisable to take out supplementary insurance.
Only cancel your previous supplementary insurance after you have already been accepted by the new insurance company. On the “Cancel supplementary insurance” page, you will find a sample letter and detailed instructions on how to make a smooth change.
Generally, supplementary insurance policies contribute a generous amount of up to CHF 800 towards an annual gym membership. Cost sharing may vary depending on the health insurance company.
