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Insurance that covers costs after an accident. For employees often covered through the employer.
alletta-Relevance: alletta helps to avoid unnecessary double insurance if accident insurance is already in place.
Alternative medicine encompasses a range of treatment methods and diagnostic concepts that are understood as complementary or alternative to established conventional medicine. Examples include treatment forms such as acupuncture, homeopathy or traditional Chinese medicine, which are partly covered by basic insurance or often to a greater extent by outpatient supplementary insurance.
alletta-Relevance: alletta allows you to compare supplementary insurance policies that include alternative medicine benefits.
The mandatory health insurance in Switzerland that covers basic medical services for illness, accident and maternity.
alletta-Relevance: alletta supports you in comparing and switching your basic and supplementary insurance—completely digitally and often with cashback.
In the event of outstanding payments (unpaid bills), health insurance companies will wait to pay out benefits until all claims (such as premiums, cost sharing, interest, collection costs, etc.) have been settled.
alletta-Relevance: alletta explains when a benefit suspension is useful or disadvantageous.
A refund in which customers receive part of the brokerage commission when they complete the contract themselves.
alletta-Relevance: alletta offers cashback for taking out health and legal protection insurance policies via its digital self-service advice service.
Legal protection insurance that includes both private and traffic legal protection.
alletta-Relevance: alletta always recommends combined legal protection insurance to ensure comprehensive coverage.
The period for which insurance is taken out.
alletta-Relevance: With alletta, you take out a one-year contract for basic insurance. For supplementary insurance and legal protection, the contract usually runs for three years and is automatically renewed for another year.
Cost sharing consists of: deductible, co-payment, hospital cost contribution.
alletta-Relevance: Cost sharing has a major influence on the premium amount. In the alletta advisory process you can choose the deductible that suits you best.
Costs or services for which no insurance has been taken out.
alletta-Relevance: alletta helps identify gaps in coverage and close them with suitable supplementary insurance policies.
The portion of costs that insured persons must pay themselves each year in addition to the deductible. For basic insurance, the deductible is 10% of the costs up to a maximum of CHF 700 per year for adults (children 10% up to a maximum of CHF 350). alletta shows you the deductibles for supplementary insurance during the consultation process.
alletta-Relevance: The deductible is mandatory and identical for all health insurance companies. The premium comparison at alletta therefore shows premiums that are suitable for premium analysis.
Cancellation of insurance before the regular contract period expires, often possible in case of premium increases.
alletta-Relevance: alletta will take care of the timely termination for you.
An insurance model in which insured persons always visit their chosen family doctor's office first when they are ill..
alletta-Relevance: alletta also compares family doctor models that can help save on health insurance premiums.
The Swiss Financial Market Supervisory Authority, which among other things supervises insurance intermediaries and insurers.
alletta-Relevance: alletta is registered with FINMA under the number F01442247 and meets all legal requirements.
The Swiss authority that regulates and supervises health insurance, among other things.
alletta-Relevance: alletta works with recognized health insurers that are approved by the FOPH.
The annual amount that insured persons must pay themselves before the health insurance covers costs.
alletta-Relevance: With the alletta premium calculator you can compare different deductible models to find the optimal combination of premium amount and own costs.
A model in which insured persons must visit a contractually bound health center for treatment.
alletta-Relevance: HC models can be taken into account in the alletta comparison in order to reduce premiums.
The insurance model for basic insurance determines the rules for access to medical care. There are various models such as the traditional model with free choice of doctor or alternative models (e.g. family doctor, HMO, Telmed models), where you must first contact a specific contact point to get a premium reduction.
alletta-Relevance: alletta compares and explains all common models and highlights savings potential.
Swiss law that regulates mandatory health insurance (basic insurance).
alletta-Relevance: alletta displays both compulsory basic insurance products and voluntary supplementary insurance products.
If you are hospitalized, you must contribute to the cost of meals in the hospital. This contribution is called the hospital cost contribution. The hospital cost contribution is 15 Swiss francs per day. It is only payable if you stay overnight in the hospital.
alletta-Relevance: The hospital cost contribution is fixed and cannot be changed.
Swiss law that regulates the contractual relationships between insurer and insured.
alletta-Relevance: alletta ensures that all mediated contracts comply with the provisions of the ICA.
Duties that insured persons must fulfill towards the insurer to maintain insurance coverage.
alletta-Relevance: alletta advises on the most important obligations for health and legal protection insurance.
The official document that confirms the insurance contract.
alletta-Relevance: alletta customers receive the policy directly from the insurance company (by mail or via the respective insurance portal).
Insurance coverage that covers medical treatments or emergencies abroad. This also includes rescue operations, emergency transport and repatriation.
alletta-Relevance: alletta offers comparisons of supplementary insurance policies that also include comprehensive coverage abroad.
Legal expenses insurance in Switzerland is a type of insurance that covers the costs of legal disputes, such as lawyers' fees and court costs. It offers protection in various areas of law, including private, traffic, tenancy, and employment law. The insurance can cover both advice and the costs incurred in the event of a legal dispute. Legal expenses insurance is offered by private insurers, health insurance companies, and pure legal expenses insurers.
alletta-Relevance: alletta compares private, traffic and combined legal protection insurance from leading Swiss providers.
Legally prescribed insurance for employees against the consequences of accidents.
alletta-Relevance: With alletta, you can specify whether you are already insured for accidents through your employer for standard basic insurance. This allows you to avoid double insurance. This is also required by law. With supplementary insurance, however, accidents are always included with alletta – this allows you to avoid any gaps that could arise with the wide range of supplementary insurance options.
Minor damage or costs that are relatively insignificant in relation to the total insured value.
alletta-Relevance: alletta helps you assess when it's worthwhile to file claims for minor damages.
The period indicating how many days before the contract expires notice of termination must be given. Important: When terminating an insurance policy, the following applies: How many days before the contract expires must the notice of termination be received by the insurance company!
alletta-Relevance: alletta takes care of the entire termination process and ensures that the correct termination dates are observed.
Medical treatment that is carried out without an inpatient stay in hospital (including overnight stay). The patients come to a clinic or doctor's office for examination or treatment and can return home on the same day.
alletta-Relevance: Basic insurance covers outpatient treatment in accordance with legal requirements. alletta helps you compare different insurance models. With so-called “supplementary outpatient insurance,” you can easily and affordably extend your coverage.
The regular contribution that insured persons pay for their insurance coverage.
alletta-Relevance: With alletta, you can transparently compare premiums from different insurers and take out policies directly online. For basic insurance, supplementary insurance, and legal protection insurance.
Financial support from the canton for people with low income to reduce health insurance premiums.
alletta-Relevance: alletta helps you find the right health insurance for you at an affordable price.
Postal delivery method with confirmation of receipt, recommended for canceling insurance.
alletta-Relevance: alletta will take care of the proper termination, including sending it by registered mail if necessary.
A digital advisory process in which customers independently and uninfluenced compare and conclude insurance.
alletta-Relevance: alletta offers AI-supported self-advisory with a personal avatar that transparently explains all options.
The right to terminate insurance outside the regular notice period, usually in the event of premium changes.
alletta-Relevance: alletta takes over the cancellation of your existing insurance products for you. Inform us if you want to exercise an extraordinary termination right.
Anything not covered by basic insurance can be covered by supplementary insurance. Sometimes this involves particularly high coverage, sometimes medication that is not covered by health insurance. And perhaps you value the highest possible level of comfort in hospital. That's exactly what supplementary insurance is for.
alletta-Relevance: alletta is the only platform in Switzerland that allows you to compare and take out supplementary insurance policies.
An insurance model in which insured persons must first contact a medical hotline before visiting a doctor.
alletta-Relevance: Telmed models in the alletta comparison help reduce premiums and get good medical care.
Period after the start of the contract during which no services can yet be claimed.
alletta-Relevance: alletta clearly states the waiting periods for supplementary insurance policies.
Period that must elapse after conclusion of the contract before benefits can be claimed. This does not apply to basic insurance (health insurance), but often applies to supplementary insurance (health insurance) and legal protection insurance.
alletta-Relevance: As part of the consultation process, alletta provides information about possible waiting periods.