SLKK emerged from the Swiss Teachers’ Health Insurance Fund. The company describes itself as a “smart health insurance company” and aims to offer needs-based insurance solutions. The Zurich-based health insurance company took out around 21,000 basic insurance policies in 2018. Our comparison shows whether it’s worth switching health insurer.
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SLKK offers health insurance based on the modular principle. This is based on compulsory basic insurance. In addition to the traditional standard model (choice of doctor), alternative models TelCare (Telmed) and HomeCare (family doctor) are available. In the traditional model, you choose a doctor whom you consult in the event of illness. You can also consult a group health maintenance organization (HMO) doctor. In the TelCare model, call the medical advice hotline first. In the HomeCare model, your family doctor is your first point of contact.
The second element of private health insurance is voluntary supplementary insurance. Medico-Plus supplementary insurance supplements the benefits of basic insurance in the outpatient area and is available in four different variants.
Standard offers higher and extended reimbursements for a variety of treatments and devices.
Alternative offers higher out-of-pocket costs for alternative medicine.
Complete is a combination of standard and alternative services.
Jeunesse is supplementary insurance for children and young people up to the age of 18.
QualiCare.basis supplementary insurance combines contributions to alternative medicine, preventive healthcare, visual aids and other aids with compensation for gynaecological examinations and correction of misaligned jaws and teeth. The QualiCare.comfort package adds additional benefits such as contraception, breastfeeding benefits and cosmetic surgery.
With SLKK hospital insurance, you decide yourself in which hospital and with which doctor you would like to be treated. Depending on the model, you can also increase the level of comfort during your hospital stay. You can choose between the General F1, Semi-Private F2, Private F3 and Worldwide Private F4 models. With the SuperFlex model, the decision to be admitted as an inpatient is made voluntarily before your stay on each ward.
The health insurance companies offer supplementary dental insurance. There are five benefit levels to choose from, which cover 50-75% of dental treatment costs and up to CHF 3,000 per calendar year.
Health insurance companies offer you several ways to reduce your contributions. If you pay your health insurance premium in advance, you will receive a 0.5-1% discount. Premium discounts also apply if you opt for the TelCare or HomeCare (your doctor) model. You can also increase the deduction amount if you wish to save it. The maximum deduction is CHF 2500 for adults and CHF 600 for children.
With us you can compare the costs and benefits of SLKK with other health insurance companies. You can use our premium calculator to calculate your savings potential and request a non-binding insurance quote in just a few minutes.