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Supplementary Insurance

In addition to the basic insurance services, other supplementary health insurance is available that covers a greater range of treatments and services. The supplementary insurance can be divided into two categories: (A) supplementary outpatient insurance and (B) supplementary hospital insurance.

A. Supplementary Outpatient Insurnace

  • The outpatient supplementary additives are, for example, alternative medicine, non - compulsory medication and psychotherapy and mental health services by psychologists. Additionally, outpatient supplementary insurance coverage is available for other preventive and medical care outside of the hospital. It should be noted that all these services are usually limited to a maximum amount per calendar yearA wide range of insurance is available for the following areas:
  • Non- compulsory pharmaceuticals and over the counter medicines
  • Alternative medicine •Psychotherapy and mental health services
  • Treatment abroad
  • Dental treatment including the costs associated with oral health and oral surgery
  • Medical aids (e.g. hearing aids, canes, walkers)
  • Emergency and rescue transport and rescue costs •Glasses and contact lenses 
  • Home nursing and home medical help
  • Travel vaccination and protection
  • Preventative health care measures (fitness center memberships, fitness classes, indoor pool, etc.)

B. Supplementary Hospital Insurnace

  • The supplementary hospital insurance covers inpatient services and stays.Throughout Switzerland, patients’ supplementary hospital insurance covers any additional expenses incurred during a hospital stay outside their canton of residence. New rules for hospital financing have been in place since 1 January 2012. Under the new rules, hospital stays outside the canton of residence are fully funded by the insurance if the hospital is included on a list of approved hospitals and the cost (a flat rate per case) is equal to or lower than the cost in the canton of residence. Patients and their insurance providers are responsible for the costs of the stay if the flat rate per case in the treating hospital is greater than the flat rate in the canton of residence.

The addition of supplementary hospital insurance may be especially valuable for residents of cantons with low hospital costs who wish to be treated in an outside canton. As before, treatments are covered by the basic insurance that are not feasible in the canton of residence (e.g. transplants) or in the case of an emergency.

  • In the supplementary semi-private ward throughout Switzerland, the insured is entitled to reimbursement for the cost of a twin room. A senior physician usually carries out the treatment of semi-privately insured patients in public hospitals.
  • In the supplementary private ward throughout Switzerland, the insured is entitled to the reimbursement of the cost of a single room. The chief physician usually carries out the treatment of privately insured persons in a public hospital.
  • Flex models of various hospital insurance exist. The choice of a hospital ward is only made upon hospital admission. For the general ward throughout Switzerland this insurance covers the full cost for the semi-private or private ward of the insured to participate in the defined scope of the health insurance at an additional cost.
  • Hotel models offer the convenience of a 1 - or 2-bed room without the free choice of doctor. In some models, the choice of hospital insurance is limited to a cash- only list, which leads to lower premiums. The supplementary health insurance can meet risk premiums, i.e. graded according to age, sex, and condition. You may also include reservations.