Compulsory basic insurance in brief

Basic insurance covers the costs of hospital treatment and inpatient stays in psychiatric and rehabilitation clinics - in the general ward (multi-bed room) of a hospital or clinic on the hospital list of your canton of residence

You receive additional benefits with supplementary hospital insurance (comfort in hospital, choice of doctor, choice of hospital)

Based on the applicable tariffs, basic insurance covers treatment by federally qualified doctors, chiropractors, therapists (speech therapists, occupational therapists and physiotherapists) and podiatrists, provided the treatment was prescribed by a doctor. Medical psychotherapies and psychological psychotherapies prescribed by a doctor are also covered in accordance with the applicable tariff. Depending on the insurance model, you can contact a pre-determined first point of contact in the event of illness and thus save on premiums

Medication prescribed by a doctor in accordance with the statutory medication lists is covered. If the original preparation is not expressly prescribed, pharmacies can also dispense a cheaper generic with the same active ingredient, saving you twice over: if a generic is available for a medication, you pay a 40% co-payment for the original - but only 10% for the already cheaper generic

Supplementary outpatient insurance covers the costs of other medications prescribed by a doctor

Basic insurance covers the costs of acupuncture, anthroposophic medicine, traditional Chinese medicine (TCM), classical homeopathy and phytotherapy by doctors with the appropriate training

Supplementary outpatient insurance policies contribute to numerous other complementary medical treatments

In the event of an emergency abroad, outpatient treatment and hospital treatment in the general ward are insured. In EU/EFTA countries, the benefits correspond to the social tariff of the country of residence. In countries outside the EU/EFTA, a maximum of twice the costs that would have been incurred in Switzerland are insured

Supplementary outpatient insurance and supplementary hospital insurance cover the costs of emergency outpatient treatment abroad

Basic insurance holders under the age of 18 receive a maximum of CHF 180 per calendar year for spectacle lenses and contact lenses. After this age, compulsory basic insurance only pays benefits in the event of a change in visual acuity due to illness and serious eye diseases. Other medically necessary aids prescribed by a doctor are reimbursed in accordance with the statutory list of means and objects

You will receive higher premiums with supplementary outpatient insurance

Basic insurance pays CHF 10 per day for a maximum of 21 days per year for medically prescribed spa treatments

Supplementary hospital insurance also pays contributions towards medically prescribed visits to thermal spas

Basic insurance covers the costs of giving birth at home, in a hospital or in a birthing center (general ward, according to the hospital list of the canton of residence). The other statutory maternity benefits covered by basic insurance include: seven check-ups two ultrasound checks a contribution of CHF 150 towards antenatal classes (run by midwives) one follow-up check-up between the 6th and 10th week three breastfeeding consultations hospital care for the healthy newborn baby Good to know: For many special services during pregnancy, birth and the mother's recovery period, there is no cost sharing via deductible or excess

Supplementary outpatient insurance often pays higher contributions towards antenatal care and a breastfeeding allowance. In hospital, you will receive higher insurance cover with supplementary hospital insurance

The health insurance fund covers the costs in accordance with the specified tariffs. In accordance with the KVG, the insurance covers treatment and care measures in recognized nursing homes as well as medically prescribed treatment and care measures at home (Spitex) by recognized service providers

For certain risk groups, basic insurance covers the costs of preventive examinations for the early detection of diseases. Vaccinations are reimbursed in accordance with the KVG if they are included in the current Swiss vaccination schedule. In the case of gynecological check-ups, the first two annual check-ups are covered. After that, basic insurance covers the costs of a gynecological check-up every three years

Supplementary outpatient insurance policies offer additional benefits in the area of preventive care. This also includes contributions to fitness

Basic insurance covers 50% of the costs for medically necessary transportation (maximum CHF 500 per calendar year). For rescue transportation in Switzerland, 50% of the costs are also covered (maximum CHF 5,000 per calendar year)

You can insure return transportation and search and rescue operations with supplementary outpatient insurance

Basic insurance covers the costs of dental treatment for serious illnesses (e.g. illness/inflammation of the jawbone, tumor, cysts). The treatment of a tooth damaged in an accident is insured if you have included accident cover

With supplementary dental insurance, you receive contributions towards dental treatment, laboratory services, prophylaxis and check-ups