Vivacare is part of the Visana Insurance Group. AG has its head office in Berne. It has more than 45,000 policyholders in basic insurance alone. Health insurers rely on Visana’s wide range of services in both compulsory and supplementary insurance and offer attractive products especially for families.
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Vivacare health insurance offers several models of compulsory health insurance. In the standard model (choice of doctor), you decide which doctor you trust. There are also various alternative insurance models to choose from.
Managed Care: The first point of contact is a family doctor or healthcare organization (HMO).
Med Direct: In the event of illness, please contact a family doctor first.
Tel Doc: Contact the telemedicine advice center Medi24 to obtain a binding treatment plan before seeing your doctor.
Med Call: Contact the telemedicine advice center, but the treatment plan is non-binding.
Tel Care: This Telmed fee is only available in certain states.
With voluntary supplementary insurance, you receive benefits that go beyond the scope of statutory insurance. With Vivacare, you can choose from the following supplementary models:
Outpatient: Reimbursement of additional medication, transportation costs and maternity benefits, among other things. Vacanza travel insurance is also included.
Supplement: Covers around 50 treatments in the field of alternative medicine.
Dental insurance: Reimbursement of the costs of dental treatment, preventive check-ups, dental hygienists and orthodontics in eight benefit levels. Up to 75 % and up to CHF 1800 are reimbursed per calendar year.
Vivacare health insurance also offers supplementary hospital insurance. You can choose from four benefit levels: General Hospital, Semi-Private, Private and Flex. All hospital insurance policies give you a free choice of hospital throughout Switzerland. You are also free to choose your doctor on a semi-private or private basis. And Flex tariffs. Flex allows you to quickly determine the level of comfort you need before you go to hospital.
Vivacare family insurance offers comprehensive cover for the whole family. With compulsory health insurance, the first and second child receive a family discount of up to 78%. There is even a 90% discount on the third insured person’s child. With supplementary insurance, the premiums are reduced by 50% from the second insured child onwards. Vacanza travel insurance is also included, as is statutory health insurance.
The alternative insurance model restricts the choice of first contact in the event of illness, but offers up to 16% lower premiums. You can also get a discount on health insurance by increasing the annual deductible. Adults can voluntarily pay a deductible of up to CHF 2500 per year. For children, the maximum annual deductible is CHF 600.
Does Vivacare’s wide range of benefits suit your needs? You can compare with us and use a premium calculator to quickly and easily determine your savings potential. If you have any questions, I will be happy to advise you personally.