Steffisburg

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 for health insurance, KKSt has been working with health insurance companies nationwide since 1997 to offer products tailored to the individual needs of our customers.

Information

Administrative expenses

85 CHF per customer

 Contact

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

The scope of benefits provided by mandatory health care insurance is defined by law. In the basic model, the insured person is free to first visit his or her 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). KKSt offers four such alternative models.

• Family doctor Model Casa: In case 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 GP model: This model is available to residents of premium areas with zip codes 3612 and 3613. In case of illness, contact a doctor at MediZentrum Landhaus or Burgergut Steffisburg AG.
• Sanmed24: The first point of contact is the Medgate telemedical advice center.

Voluntary supplementary insurance

Supplementary insurance InVita closes the gap in basic insurance. The Light, Standard and Flex variants increase your contribution to vision aids and reimburse your health and fitness subscriptions, among other things. The Vario and Vario Plus rates are aimed at policyholders under 60 and offer even more benefits. Among other things, alternative therapies, non-mandatory medications and non-medical psychotherapy are insured.

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.

Hospital Insurance

If you have to go to hospital, supplementary hospital insurance gives you more comfort and freedom of choice. There are four variants of hospital insurance. The types of accommodation are different.

• A: General ward, shared room
• HP: 2 bedrooms semi-private
• P: Private in single room
• F: Flexible choice between semi-private and private ward at your own expense.

Dental insurance

Dental insurance reimburses dental treatment and preventive measures. You can choose from four service levels. At these service levels, you will be reimbursed 50-75 % of the costs up to CHF 3000 per calendar year.

Family discount

If you take out supplementary KKSt insurance for yourself and at least two of your children, you pay a reduced premium for your child. The InVita insurance is excluded.

Discounts

KKSt offers favorable discounts when you choose an alternative insurance model. If you voluntarily pay a higher deductible, you can also lower your insurance premiums. Annual deductions of up to CHF 2500 for adults and up to CHF 600 for children are available. The higher the deductible, the lower the premium.

In comparison

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