The health insurance company Visana, based in Berne, was formed in 1996 from the merger of the insurance companies KKB, Grütli and Evidenzia. Currently, 698,000 people are insured under the compulsory basic health insurance scheme, which corresponds to a market share of 7.3%. Premium income amounts to around CHF 3.3 billion. In addition to basic insurance, the health insurance companies also offer various optional supplementary insurance plans.
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With an average premium of CHF 504.90, Visana was one of the most expensive health insurers in Switzerland in 2019. The basic insurance benefits exceed the statutory mandatory benefits. The standard model also includes statutory health protection and free telemedical advice. In addition, you have a free choice of doctor and can decide for yourself whether to see your family doctor, specialist or hospital doctor.
You can save money by increasing the deductible or choosing an alternative insurance model. Visana Health Insurance offers two family doctor models. The Managed Care model chooses a family doctor or a Group Health Maintenance Organization (HMO) as your first point of contact in the event of illness. With Med Direct, you go to your doctor first. Insurance premium savings of up to 18 percent.
Basic insurance cover is supplemented by three telemedicine models. With the Telmed models TelDoc, Med Call and Tel Care, you must first contact the telemedicine advice center before visiting a doctor.
To close gaps in your compulsory basic insurance, you can take out three levels of voluntary supplementary outpatient insurance. Supplementary insurance Outpatient I, II and III pay contributions towards glasses, contact lenses, medical aids, medications not covered by health insurance and preventive check-ups. They also cover a proportion of vaccinations, transportation costs and fitness services. Vacanza travel insurance is also included free of charge.
Complementary insurance is aimed at policyholders who want alternative medicine in addition to conventional medicine. The price levels can be selected from Complementary I, II and III. Depending on the tariff level, the supplementary insurance policies reimburse 90 % of the treatment costs up to a total of CHF 1,000, 4,000 or CHF 10,000 per year.
General hospital insurance includes free choice of hospital throughout Switzerland, multi-bed rooms, Vacanza travel insurance, room, spa and convalescence cures. SpitalFlex semi-private and private hospital insurance gives you a free choice of doctor for your insurance cover. The semi-private tariff variant applies to a stay in a double room and the private tariff variant for a single room. In addition, a maternity benefit is granted for outpatient births.
Supplementary dental insurance protects you against the additional costs of dental treatment. You can choose from 10 benefit levels. Dental insurance covers up to 75% of treatment costs and pays a total of CHF 5,000 per year.
You can find out whether Visana is the right health insurance for you by comparing the insurance offers. We will advise you free of charge and without obligation and will be happy to help you compare the benefits and premiums of your health insurance.