Supplementary insurance supplements the benefits of compulsory basic insurance. Around 80% of Swiss citizens have opted for supplementary insurance.
You have the choice between supplementary outpatient insurance and hospital insurance. A supplementary health insurance comparison will help you to find the right supplementary health insurance for your needs.
Which supplementary outpatient insurance policies make sense? This depends above all on your circumstances and individual needs. If you need visual aids, for example, you will need to take out supplementary eyeglass insurance, which pays high premiums for glasses, contact lenses and possibly even laser eye surgery. If you would like to supplement conventional medical treatments with alternative medicine, you will also find supplementary insurance specifically for this need.
Other additional benefits include voluntary medication payments, rescue and transportation costs, treatment costs abroad and preventive medical measures. You should also take out supplementary dental insurance.
Supplementary dental insurance covers part of the costs of dental treatment, correction of misaligned teeth and orthodontic services up to a certain maximum annual amount
Swiss basic insurance already covers many medical benefits in the event of illness, accident and maternity. However, you have to make high co-payments for dental treatment, alternative therapies or visual aids. This also applies if you want to feel more comfortable during your hospital stay. With voluntary supplementary health insurance, you protect yourself against these additional costs and can also benefit from treatments that are not covered by compulsory health insurance.
Health insurance companies are free to decide which additional benefits they accept. In addition to the range of benefits, the premiums of different providers also differ considerably. It is therefore worth comparing before applying for supplementary health insurance.
Almost half of all Swiss people have opted for supplementary hospital insurance. For example, general hospital insurance allows you to be treated in a hospital outside your country of residence at no extra cost. You can also choose semi-private or private health insurance.
Semi-private insurance, for example, offers accommodation in a semi-private property and in a twin room. With private insurance, you can also opt for accommodation in a single room.
Many health insurance companies bundle their supplementary outpatient benefits into packages. Package solutions seem convenient and often offer lower premiums than individual solutions. However, they only cover many expenses up to a certain maximum amount per year. It may also include services you don’t need. If you are looking for the best supplement for your needs, compare add-ons.Add-on premiums are based on individual insurance risks and the policyholder’s age and gender.
There is another difference between basic and supplementary insurance: supplementary insurance can also be terminated by the health insurance company after an insured event.
The benefits and structure of basic insurance are governed by the Federal Health Insurance Act (KVG). On the other hand, supplementary insurance is governed by the Insurance Contract Act (ICA). In contrast to the KVG, there is no unconditional licensing requirement under the VVG Switzerland.
This may result in the insurance company refusing to accept you for supplementary insurance. Some health insurance companies require a physical examination before taking out supplementary health insurance.
Additional premiums are based on individual insurance risks and the age and gender of the policyholder.
There is another difference between basic and supplementary insurance: supplementary insurance can also be terminated by the health insurance company after an insured event.
