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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If you have basic insurance with a Swiss health insurance company, you are free to choose supplementary insurance from 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 insurance companies do not provide benefits for smoking-related illnesses. In return, you pay up to 35 % less in premiums.
You can choose between two tariff models for outpatient insurance: plus 1 and plus 2. Supplementary health insurance covers treatment methods from the fields of alternative medicine, outpatient emergency care abroad and the following costs:
Glasses and contact lenses
Tests and vaccinations
Orthodontics and dental treatment for children and young people up to the age of 20
Help with domestic matters.
You can extend your insurance cover with supplementary dental insurance. In the three insurance classes, supplementary dental insurance covers 50-75 % of the treatment costs. The maximum cost is CHF 1000, CHF 1500 or CHF 3000 per calendar year.
In addition to supplementary health insurance, Innova Krankenkasse offers travel insurance, risk capital insurance, legal expenses insurance, daily sickness benefits insurance and accident insurance.
Supplementary hospital insurance gives you a free choice of doctor and hospital throughout Switzerland. Hospitalization abroad is also eligible. It also contributes to the costs of spa and convalescence cures. You can choose how you would like to be admitted to hospital:
General cover: Accommodation in a shared room in a general ward.
Semi-private cover: Accommodation with two bedrooms in a semi-private ward.
Private cover: Single room accommodation in a private ward.
If you opt for flexible Switch supplementary hospital insurance, you can reduce your insurance premiums. You can choose to stay in a general, semi-private or private ward. You pay part of the accommodation costs yourself. It costs CHF 10 per day for the general ward, CHF 75 for the quasi-private ward and CHF 200 for the private ward.
Would you like to know whether it’s worth switching to Innova? Or are you looking for basic insurance to accompany 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.