Sanitas Health Insurance Revolutionizes Coverage for Pre-Existing Conditions

Breaking barriers: For the first time in Switzerland, Sanitas accepts pre-existing conditions with premium supplements.

The Frustration of Denied Coverage: A Consultant's Perspective

As insurance consultants, we've witnessed countless clients face the disheartening reality of being denied supplementary health insurance due to pre-existing conditions. Each rejection wasn't just a statistic; it was a personal story of someone left vulnerable in a system that couldn't accommodate their needs. The inability to secure comprehensive coverage left many feeling exposed, and it was equally frustrating for us, knowing there was little we could do to help.

But now, a groundbreaking shift has occurred. Sanitas, a leading Swiss health insurance provider, has introduced an innovative solution that changes everything. For the first time in Switzerland, clients with pre-existing conditions can obtain full supplementary insurance coverage through an individual premium supplement. This is monumental news, not just for those directly affected but also for consultants eager to provide better solutions.

Why Sanitas Is the Game-Changer You Need to Know About

Sanitas isn't just making headlines; it's setting a new standard in the Swiss health insurance industry. If you're searching for comprehensive coverage, especially as an English-speaking international or expat in Switzerland, Sanitas is more than worth a look.

Key Highlights:

• First in Switzerland: Sanitas accepts pre-existing conditions with an individual premium supplement.
• Full Coverage: Obtain comprehensive insurance without restrictions despite existing health conditions.
• Flexibility: Choose between paying a premium supplement or accepting policy restrictions to tailor your coverage.
• Inclusive Approach: This innovative solution provides greater access to full supplementary insurance.

Sanitas: The Top Choice for English-Speaking Internationals and Expats

Navigating the Swiss healthcare system can be daunting, especially with language barriers and unfamiliar regulations. Sanitas stands out as a preferred insurer among English-speaking internationals and expats for several reasons:

• English Language Support: Comprehensive customer service and documentation available in English.
• User-Friendly Digital Platforms: Access your insurance information, submit claims, and manage healthcare services easily online.
• Tailored Coverage Options: A variety of plans to meet diverse healthcare needs.

For more insights on health insurance options for expats, check out our Insurance Guide for Expats in Switzerland.

Understanding the Individual Premium Supplement

What Does This Mean for You?

Sanitas's individual premium supplement is a groundbreaking offering that allows clients with pre-existing conditions to secure full supplementary insurance coverage without restrictions. Here's how it works:

• Full Coverage: Enjoy all the benefits of your chosen plan despite pre-existing health conditions.
• Flexibility: Opt for an individual premium supplement or accept certain policy restrictions based on your needs.
• Innovative Solution: This approach is unique in Switzerland, making comprehensive healthcare more accessible.

For a detailed explanation, visit our Guide on Pre-Existing Conditions and Insurance.

A Closer Look at Sanitas's Supplementary Insurance Plans

Sanitas offers three main supplementary insurance plans designed to enhance your basic coverage:

1. Vital Basic: Closes critical gaps in basic insurance with essential additional coverage.
2. Vital Smart: Offers enhanced benefits and flexibility for a broader range of coverage options.
3. Vital Premium: Provides comprehensive all-round coverage for maximum security.

Plan Comparison and Benefits

1. Emergencies

• Emergency Transport and Rescue in Switzerland: All Vital plans upgrade basic insurance to 100% coverage, unlimited.
• Search and Recovery Operations: All Vital plans offer 100% coverage up to CHF 50,000 per event.
• Emergency Treatment Abroad: All Vital plans provide 100% unlimited coverage for up to 180 days.
• Assistance and Services Abroad: Included in all Vital plans with services organized by Sanitas Assistance.

2. Medicines and Drugs

• Vital Plans: Cover 90% of costs, unlimited, for medically prescribed drugs not covered under basic insurance.

3. Medical Aids and Devices

• Vital Plans: Provide 90% coverage up to CHF 1,000 for additional aids.

4. Vision Aids and Laser Eye Surgery

• Vital Basic & Smart: Cover 100% up to CHF 300 within three years.
• Vital Premium: Covers 100% up to CHF 600 within three years.

5. Orthodontics

• Vital Basic: 50% coverage up to CHF 10,000.
• Vital Smart: 50% coverage, unlimited.
• Vital Premium: 80% coverage, unlimited.

6. Preventive Medical Care

• Vital Basic: 80% coverage up to CHF 500.
• Vital Smart: Extends to CHF 1,000, including medical check-ups.
• Vital Premium: Up to CHF 1,500, adding self-tests and online health services.

7. Alternative Medicine

• Vital Smart: 80% coverage up to CHF 2,500 or CHF 5,000.
• Vital Premium: 80% coverage up to CHF 10,000.

8. Health Promotion

• Vital Smart: 50% coverage up to CHF 400 or CHF 600.
• Vital Premium: 80% coverage up to CHF 800.

9. Additional Treatments

• Vital Smart: 80% coverage up to CHF 1,000.
• Vital Premium: Extends to CHF 5,000.

10. Parental Benefits

• Vital Smart & Premium: 80% coverage up to CHF 1,000, with Vital Premium adding daily benefits per birth or adoption.

11. Planned Transportation

• Vital Premium: Covers 80% up to CHF 500.

For a comprehensive comparison, visit the Swiss Insurance Guide.

Why This Is Great News for Clients and Consultants Alike

The introduction of the individual premium supplement by Sanitas is a significant development that benefits both clients and insurance consultants:

• Clients: Gain access to comprehensive coverage regardless of pre-existing conditions.
• Consultants: Can now offer solutions to clients who were previously ineligible for certain plans, enhancing client satisfaction and trust.

Making the Right Choice: Our Recommendations

Vital Basic

• Ideal For: Those looking to close essential gaps in their basic insurance.
• Benefits: Enhanced emergency coverage and support for uninsured drugs and medical aids.
• Pre-Existing Conditions: Obtain full coverage with the individual premium supplement.

Vital Smart

• Ideal For: Individuals seeking flexibility and additional benefits in alternative medicine and health promotion.
• Benefits: Increased coverage limits and parental benefits.
• Pre-Existing Conditions: Access full coverage without restrictions through the premium supplement.

Vital Premium

• Ideal For: Those desiring comprehensive coverage across all areas.
• Benefits: Highest benefits for alternative medicine, health promotion, and additional therapies.
• Pre-Existing Conditions: Full coverage available with the individual premium supplement.

Conclusion: Sanitas Sets a New Standard in Swiss Health Insurance

Sanitas's acceptance of pre-existing conditions with an individual premium supplement is not just a unique offering—it's a transformative approach that enhances inclusivity in healthcare. This innovation is particularly significant for English-speaking internationals and expats in Switzerland, providing accessible and comprehensive coverage options.

Take Action Today

• Assess Your Needs: Consider your healthcare requirements and any pre-existing conditions.
• Consult an Expert: Speak with a Expat Savvy advisor or a professional insurance consultant to tailor a plan that fits your needs.
• Explore Your Options: Visit the Sanitas Official Website for more information.

Note: The information provided is subject to the terms and conditions of Sanitas and may vary. It's essential to review official policy documents and consult directly with Sanitas for the most accurate and up-to-date information.

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