Krankenkasse Steffisburg, also known as KKSt, has been in existence since 1861 and is one of the oldest health insurance companies in Switzerland. As a supplement to health insurance, KKSt has been working with health insurance companies nationwide since 1997 to offer products that are tailored to the individual needs of our customers.
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The scope of benefits provided by compulsory health insurance is defined by law. In the basic model, the insured person is free to first consult their family doctor, a Group Health Maintenance Organization (HMO) or a specialist. Health insurance companies can offer other models in addition to the standard model (choice of doctor). The KKSt offers four such alternative models.
Family doctor model Casa: In the event of illness, the family doctor is the first point of contact.
Family doctor model beodocs / igomed: This model is aimed at residents of the Bernese Oberland and Toon regions. Select your doctor from the list of local doctors.
Regiomed family doctor model: This model is available to residents of premium areas with zip codes 3612 and 3613. In the event of illness, contact a doctor at MediZentrum Landhaus or Burgergut Steffisburg AG.
Sanmed24: The first point of contact is the Medgate telemedical advice center.
InVita supplementary insurance closes the gap in basic insurance. The Light, Standard and Flex variants increase your contribution to visual aids and reimburse your health and fitness subscriptions, among other things. The Vario and Vario Plus tariffs are aimed at policyholders under the age of 60 and offer even more benefits. The insurance covers alternative therapies, non-compulsory medication and non-medical psychotherapy, among other things.
KKSt also uses Natural for its own supplementary insurance for alternative medicine. In addition to complementary medicine, Natural covers 80% of limited and non-restrictive medicines, up to CHF 1500 per calendar year.
If you have to go to hospital, supplementary hospital insurance gives you more comfort and freedom of choice. There are four types of hospital insurance. The types of accommodation vary.
A: General ward, shared room
HP: 2 bedroom semi-private
P: Private in a single room
F: Flexible choice between semi-private and private ward at your own expense
Dental insurance reimburses dental treatment and preventive measures. You can choose from four service levels. With these service levels, you will be reimbursed 50-75 % of the costs up to CHF 3000 per calendar year.
The KKSt offers favorable discounts if you choose an alternative insurance model. If you voluntarily pay a higher deductible, you can also reduce your insurance premiums. Annual deductibles of up to CHF 2500 for adults and up to CHF 600 for children are available. The higher the deductible, the lower the premium.
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