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Swiss Supplementary InsuranceBeyond Basic Coverage
Enhanced protection for your individual health needs - hospital, dental, alternative medicine, and travel coverage options.
Key Differences from Basic Insurance
Health Declaration Required
Insurers can refuse coverage or apply exclusions based on health status
No Standardized Benefits
Each insurer offers different benefits, coverage limits, and conditions
Premium Flexibility
Insurers set their own premiums based on age, health, and coverage level
Waiting Periods Apply
Most benefits have waiting periods of 3-24 months before coverage begins
Types of Supplementary Insurance
Choose supplementary insurance based on your individual needs and budget. Each type offers different benefits and comes with specific considerations regarding costs and waiting periods.
Hospital Insurance
Private or semi-private hospital rooms with free choice of doctor and hospital
Key Benefits:
Important Considerations:
Most expensive supplementary insurance - premiums CHF 100-500+ monthly
Dental Insurance
Coverage for dental treatments not included in basic insurance
Key Benefits:
Important Considerations:
Yearly limits CHF 1,000-5,000, waiting periods 6-24 months
Alternative Medicine
Coverage for complementary and alternative treatments by certified practitioners
Key Benefits:
Important Considerations:
Check provider recognition lists - coverage typically 70-90% up to CHF 2,000-5,000/year
Outpatient Insurance
Enhanced outpatient care covering prevention, eyewear, and wellness
Key Benefits:
Important Considerations:
Best value for families - moderate premiums CHF 20-60/month
Travel Insurance
Worldwide coverage for medical emergencies and assistance during travel
Key Benefits:
Important Considerations:
Essential for frequent travelers - often included in outpatient plans
How to Choose Supplementary Insurance
Assess Your Needs
Consider your health history, family situation, and lifestyle
Compare Before Switching
Research different insurers as benefits and costs vary significantly
Apply While Healthy
Health declarations may limit or exclude coverage for pre-existing conditions
Read Terms Carefully
Understand waiting periods, exclusions, and claim procedures
Need Help Choosing Supplementary Insurance?
Our experts can help you understand which supplementary insurance makes sense for your situation and budget. Get personalized recommendations based on your needs.
Frequently Asked Questions
Can I get supplementary insurance from a different company than my basic insurance?
Yes, you can choose different insurers for basic and supplementary insurance. However, having everything with one insurer often simplifies administration.
What happens if I'm rejected for supplementary insurance?
Unlike basic insurance, supplementary insurers can reject applications. You can try other insurers or consider waiting periods to improve your health profile.
When should I apply for supplementary insurance?
Apply as early as possible, ideally when you're young and healthy. Many people apply for supplementary insurance at the same time as basic insurance.