What does Swiss health insurance cover?
There are two types of cover. The first is basic compulsory cover. This breaks down into cover for illness and accidents. Standard policies cover both. Those with accident insurance as part of their employment are able to opt out the accident element and reduce their premium.
The second type is complementary or supplementary cover. This is optional and includes optional coverage for range of treatments not covered by basic insurance. It can also cover risks not covered by basic policies.
•Basic cover
Basic healthcare covers basic healthcare and hospitalisation in your canton of residence.
•Complementary insurance cover
Complementary insurance covers a wide range of care not covered by basic insurance, including dentistry, alternative medicine, prenatal care, travel insurance, enhanced hospital care, loss of earnings and lump sum payments if you are unable to work. Complementary insurance is separate from basic insurance even when bought with basic cover.
•Basic cover
Basic healthcare covers basic healthcare and hospitalisation in your canton of residence.
•Complementary insurance cover
Complementary insurance covers a wide range of care not covered by basic insurance, including dentistry, alternative medicine, prenatal care, travel insurance, enhanced hospital care, loss of earnings and lump sum payments if you are unable to work. Complementary insurance is separate from basic insurance even when bought with basic cover.