Health insurance
Basic health insurance
Basic health insurance is mandatory for all persons residing in Switzerland. Basic insurance benefits are precisely determined by the Health Insurance Act (KVG). These are uniform across all insurance providers. Health insurance providers are required to accept every applicant for basic health insurance (full freedom to choose one's insurer). Basic health insurance covers "illness" and "accidents". If already insured for accidents by an employer, accident coverage can be excluded.
Covered risks:
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Outpatient treatment
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Inpatient treatment from hospitals on the official list
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Emergency services including transport contributions and treatment
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Medicines prescribed by a doctor
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Pregnancy services such as antenatal classes, childbirth expenses and abortion
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General healthcare (such as vaccinations and gynaecological check ups)
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Rehabilitation services after an operation or serious illness
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Illness when travelling abroad, although conditions apply.
Supplemental health insurance
If you want your health insurance to cover services that are not part of the basic insurance cover, health insurance companies provide a wide range of supplemental insurance options. There are a wide range of different supplemental health insurance products that can be crafted to your personal needs.
Covered risks:
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measures to promote health such as memberships or passes for gyms, swimming pools, etc.
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alternative medicine treatments like acupuncture
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back treatments such as massages, physiotherapy, osteopathy
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immunisation and travel vaccinations
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home nursing services and domestic help
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glasses and contact lenses
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medical accessories and devices
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emergency transport and transfer transport as well as rescue and salvage costs
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cost of dental treatment, corrective dentistry and maxillofacial surgery
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treatment abroad (also temporary during holidays)