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About Supplementary Insurance in Switzerland
Supplementary insurance is a key element of the Swiss healthcare system, offering additional benefits beyond the basic LAMAL insurance. Whether you are looking for dental care, alternative medicine, or a private room in the hospital, this page guides you through the various aspects of supplementary insurance in Switzerland.
Protection and Comfort
Qu'est-ce que l'Assurance Complémentaire ?
Supplementary insurance is an optional coverage that allows insured individuals to benefit from additional services not covered by basic insurance. It is designed to meet the specific needs of insured individuals and can vary significantly from one provider to another.
Explore the Details of Supplementary Insurance
FAQs
Supplementary insurance in Switzerland represents a valuable opportunity
to enhance your access to healthcare.
Types of Supplementary Insurance
- 1. Hospital Insurance
These policies cover benefits such as:
- Private or semi-private room: Access to care in a more comfortable setting.
- Choice of doctor: Freedom to choose your attending physician in the hospital.
- 2. Dental Care
Supplementary insurance can cover:
- Preventive care: Teeth cleaning, regular check-ups.
- Surgical procedures: Crowns, dental implants.
- 3. Alternative Medicine
Some insurances include benefits for:
- Acupuncture
- Homeopathy
- Osteopathy
How to Subscribe to Supplementary Insurance
2.1 Assessing Your Needs
Before subscribing, evaluate your health and care needs. Identify the benefits that interest you the most.
2.2 Comparing Offers
Compare the different offers from insurance providers. Consider:
- Premiums
- Deductibles
- Covered benefits
2.3 Getting in Touch
Contact the insurance providers to obtain additional information and ask any questions you may have.
Costs of Supplementary Insurance
The costs vary based on several factors:
- The age of the insured
- The level of coverage chosen
- The type of benefits desired
Cancellation and Change of Insurance
Supplementary insurance contracts can be more flexible than those of basic insurance. Inquire about the cancellation conditions and deadlines, which are generally set for November 30 for a cancellation effective December 31.
Advantages and Disadvantages
5.1 Advantages
- Access to superior quality care
- Flexibility in choosing benefits
- Coverage for services not reimbursed by basic insurance
5.2 Disadvantages
- Additional costs that may strain the budget
- Complexity of available options
