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Zuger Krankenkasse KLuG is organized as an association and operates throughout Switzerland. Originally founded in 2018 as the Landys + Gyr company health insurance fund. The health insurance currently covers around 10,000 insured persons and is available in both basic insurance and numerous supplementary insurance plans. KLuG is a member of the Association of Medium-Sized Health Insurance Companies (RVK). Please rate KLuG's offer in comparison to other Swiss health insurance companies - our health insurance calculator makes this possible in just a few minutes.

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Administrative expenses

79 CHF per customer

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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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Basic insurance

Details of the KLuG basic health insurance offer As a small health insurance company, KLuG covers basic health insurance with a standardized basic model. Of course, you enjoy the free choice of doctors throughout Switzerland. However, the compulsory insurance is more advanced, you can enjoy the following benefits, for example:

• Reimbursement of outpatient treatment costs at your place of residence and work
• Reimbursement of costs for medically prescribed drugs
• Reimbursement for emergency treatment costs abroad is available up to twice the cost incurred at your place of residence.
• Legal advantages for alternative medicine and preventive care
• Reimbursements for home care, AIDS and spa treatments
• Inclusion of placement in general acute care hospital unit according to hospital list.
• Compensation for dental treatment costs as a result of an accident or a serious chewing disease.

KLuG Health Insurance does not currently offer an alternative model.

Voluntary supplementary insurance

KLuG is a supplementary insurance that offers you the possibility to extend the protection of the basic insurance according to your needs. You have the following options:

• This supplementary insurance covers the costs of outpatient treatment outside the basic insurance in Switzerland and abroad.
• This tariff covers alternative medicine, health promotion and expansion costs for prevention.
• This surcharge is a combination of Top and Sana tariffs. In addition, you can secure treatment through glasses, aids and free doctors as well as higher allowances abroad.
• This supplementary insurance gives you the free choice of doctor for outpatient treatment at the KLuG partner clinic.
• Cover the costs of dental treatment, prevention, oral surgery and orthodontics worldwide - that's what this supplementary dental insurance covers.
• In the hospital sector, KLuG Health Insurance offers eco, hospital semi-private, hospital private and hospital flex tariffs. Therefore, you can choose the quality of accommodation in the hospital and even choose a doctor at semi-private level myself.

Health insurance KLuG offers several options for premium reduction. For example, if you agree to a deduction of up to CHF 2500 per calendar year for an adult, you can expect a discount of up to 35 % on insurance premiums. You can agree to an annual deduction of up to CHF 500 for your child and pay about 30 percent less. If you exclude accident benefits, you will receive an additional discount of 4-5%. Families can also benefit from KLuG. As soon as two people are insured, the premium is reduced by 5 %, and by 10 % for three or more people. You can also get a discount by combining supplementary insurance and hospital insurance.

In comparison

This raises the question of whether a small, but fine KLuG health insurance company can put together an insurance plan according to your wishes. It is best to use a health insurance comparison for the survey. This way you can also quickly get the best overview of your current offer and determine your savings potential. Of course, you can also request a personal quote directly - without obligation and free of charge.