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 evaluate 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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Details of KLuG basic health insurance As a small health insurance company, KLuG covers basic insurance with a standardized basic model. Of course, you enjoy free choice of doctor throughout Switzerland. However, compulsory insurance is more advanced and 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 medication
Reimbursement of emergency treatment costs abroad is possible up to double the costs incurred at your place of residence.
Legal benefits for alternative medicine and preventive care
Reimbursements for home care, AIDS and spa treatments
Inclusion of accommodation in the general acute hospital ward according to the hospital list
Reimbursement of dental treatment costs as a result of an accident or serious chewing disease
KLuG Krankenkasse does not currently offer an alternative model.
KLuG is supplementary insurance that offers you the opportunity to extend the cover provided by your basic insurance as required. You have the following options:
This supplementary insurance covers the costs of outpatient treatment outside of basic insurance in Switzerland and abroad.
This tariff covers alternative medicine, health promotion and expansion costs for prevention.
This supplement is a combination of Top and Sana tariffs. In addition, you can secure treatment with spectacle lenses, Aids and free doctors as well as higher allowances abroad.
This supplementary insurance gives you a free choice of doctor for outpatient treatment at the KLuG partner clinic.
Covering the costs of dental treatment, prevention, oral surgery and orthodontics worldwide – that’s what this supplementary dental insurance covers.
In the hospital sector, KLuG Krankenkasse offers Eco, Hospital Semi-Private, Hospital Private and Hospital Flex tariffs. Therefore, you can choose the quality of hospital accommodation and even choose a doctor on a semi-private level myself.
KLuG health insurance offers various options for reducing premiums. 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 the insurance premiums. You can agree to an annual deduction of up to CHF 500 for your child and pay around 30% 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%, from three people to 10%. You also receive a discount by combining supplementary insurance and hospital insurance.
This raises the question of whether a small but excellent KLuG health insurance company can put together an insurance plan to suit your needs. It is best to use a health insurance comparison for the survey. This will also give you a quick overview of your current offer and identify your savings potential. Of course, you can also request a personal quote directly – free of charge and without obligation.