Sumiswalder Krankenkasse has been providing health and accident insurance since 1823. The health insurance company mainly operates in German-speaking Switzerland and focuses on the canton of Bern and the surrounding federal states. The company has more than 27,000 policyholders and aims to offer products that are tailored to the needs of its customers. Our insurance comparison shows whether it’s worth switching to Sumiswalder.
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With Sumiswalder Health Insurance’s compulsory basic insurance, you have a choice of three models. The standard model (choice of doctor) is a traditional model that complies with the Health Insurance Act (KVG). If you are ill, you decide whether you want to go to your doctor, specialist or group health maintenance organization (HMO). Register for your family doctor model and select your family doctor from the list of doctors. This family doctor will be your first point of contact in future. There are exceptions for emergency examinations, gynecological and ophthalmological examinations. If you opt for the Sumis24 (Telmed) model, you first call the Medi24 telemedical consultation hotline in the event of illness. The medical specialist will then decide on further treatment.
Supplementary health insurance from Sumiswalder Krankenkasse supplements the benefits of basic insurance. For example, you receive higher subsidies for visual and medical assistance, preventive services and dental care.
Complementary medicine is supplementary insurance for alternative medicine. Reimbursement of treatment costs and medication from the field of alternative medicine up to CHF 4000 per year in three benefit levels. Courses recognized as fitness subscriptions are covered at CHF 200 per year. Dental is dental insurance from Sumiswalder Krankenkasse. There are eight benefit levels to choose from with reimbursements of up to 75% of treatment costs and up to CHF 5,000 per calendar year.
Combined supplementary insurance combines hospital insurance with household help, transportation costs, orthodontics, prevention and contributions to benefits abroad. Hospital insurance is available in three levels of cover: general, quasi-private and private. If you want more comfort in hospital, you can combine the Kombi+ model with convenient supplementary hospital insurance. This will reimburse you for one or two rooms in the general ward of the selected hospital.
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.
If you take out basic insurance in combination with supplementary, combined or additional medical insurance, you will receive a 100% premium discount from the second insured child onwards.
If you choose a different insurance model, Sumiswalder Health Insurance will grant you a 7% premium discount. You can also save money by increasing the deductible amount. Adults can choose an annual deductible of up to CHF 2500. The higher the deductible amount, the higher the premium discount. From the third insured child, there is an additional 50 % family discount on basic insurance.
If you would like to know how much you could save by switching to Sumiswalder health insurance, compare with us. Our premium calculator will show you your savings potential in just a few minutes. You can then request a non-binding insurance quote directly online.