Innova

Innova Krankenversicherung is a little different from other Swiss health insurance companies. The holding company, based in Gumlingen, offers health and accident insurance for private individuals and companies. Founded in 1999, the insurance company specializes in the sale of supplementary insurance and guarantees benefits that go beyond the mandatory basic insurance. To date, around 69,925 individual customers have opted for supplementary insurance from Innova. Premium income in 2018 amounted to CHF 91,285 million. Health insurance for non-smokers offers particularly attractive conditions. Compare Innova's benefits and premiums to see if your health insurance meets your needs.

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What is important to you?

• Favorable premiums
• Free choice of doctor
• Alternative Medicine
• Supplementary insurance
• Sports & Fitness
• Semi-private or private
• Discounts for families
• Other

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Innova supplementary insurance

If you have basic health insurance with a Swiss health insurer, you are free to choose supplementary insurance with other providers. Innova Krankenversicherung offers two product lines, sanvita and activa.
Both product lines include supplementary outpatient insurance and supplementary hospital insurance. However, the sanvita model is aimed specifically at non-smokers. The health insurers do not provide benefits for smokers' illnesses. In return, you pay up to 35 % less premium.

Supplementary outpatient insurance

Supplement in the area of outpatient insurance, you can choose between two tariff models: plus 1 and plus 2. The supplementary health insurance covers treatment methods from the areas of alternative medicine, emergency outpatient care abroad and covers the following costs:

• Glasses and contact lenses
• Test and vaccination
• Orthodontics and dental treatment for children and adolescents up to 20 years of age
• Help with domestic issues.

Dental insurance

Hospital Insurance

Supplementary hospital insurance allows you to choose your doctor and hospital freely throughout Switzerland. Hospitalization abroad is also eligible. It also contributes to the costs of spa and convalescent cures. You can choose how you would like to be admitted to hospital:

• General objective: accommodation in a shared room on general ward.
• Semi-private coverage: two bedroom accommodation in a semi-private section.
• Private coverage: single room accommodation in the private ward.

If you opt for the flexible Switch supplementary hospital insurance, you can reduce your insurance premiums. Accommodation in the general, semi-private or private ward is freely selectable. You pay part of the accommodation costs yourself. It costs 10 francs per day for the general ward, 75 francs for the quasi-private ward and 200 francs for the private ward.

In comparison

Would you like to know whether it is worth switching to Innova? Or are you looking for a basic insurance that accompanies Innova's supplementary insurance? Make an insurance comparison! We will advise you free of charge and without obligation and find the most favorable insurance offer for you.