Supplementary insurance: what you have to pay attention to
Would you like to have the cost of your glasses worn? Do you want to treat yourself to a flu shot this year? The bill for your daughter's psychotherapy falls into the house? These costs can be covered by additional insurance. This article explains what to look for.
Find the right supplementary insurance
The selection of supplementary insurance is large, but equally confusing in equal parts. Insurers are prepared for almost any eventuality.
In times when you can choose from 16 different types of coffee, the choice of supplementary insurance is particularly difficult. Especially when it is considered that the transaction will also cost you money. If the supplementary insurance is not used, you have shot a lot of money into orbit.
In Switzerland there are supplementary outpatient insurance and supplementary hospital insurance.
Additional outpatient insurance | hospital insurance |
- dentistry - ambulance - preventive healthcare - visual aid - psychotherapy - alternative medicine | - General department all over Switzerland - Semi-private department all over Switzerland - private department all over Switzerland |
These are just a few examples of the outpatient supplementary insurance that must be taken out privately.
Take out additional insurance
In order to take out additional insurance, you need not only the necessary payment power but also:
- a place of residence in Switzerland
- a minimum age of 18 years
- successful completion of a health examination
- positive acceptance notice from the cash register
Since it is not easy to get a positive notification of admission to the health insurance company, the choice of health insurance company should be carefully considered. The list of supplementary insurance is long. These are often called nursing supplements, although they have nothing to do with nursing services.
One tip is that benefits are often taken over by some health insurers that were not mentioned in the insurers' brochures. Here it is advisable to ask beforehand.
Additional services failed
Many Swiss people fear that they will make a mistake. The rule of thumb here is: You are adequately protected by the compulsory health insurance in Switzerland. Anything beyond that is luxury. However, this will help you a health insurance comparison.
You cannot make a mistake by definition when taking out supplementary insurance. At most, if you don't use them in the end, you've lost money. If you regret in old age that you have not taken out additional insurance, this regret is the only mistake, because then you have to bear the costs yourself.
For many insured persons, one pays off in the end hospital insurance not at all. You pay the high premiums over the years and often do not use the services at all. This is annoying.
You should also note the waiting periods for the use of supplementary insurance: The insurance contracts often state exactly when the insurance company must pay for your treatment. In the worst case, you are already healthy and no longer need insurance.
Cancel and change supplementary insurance
Insured persons often stay with an additional insurer for the rest of their lives. If you do want to cancel and switch, you should note that the cancellation period for supplementary insurance is different from that for basic insurance. Instead of one month, you have three months' notice, so your insurer must have received notice of cancellation by 30 September at the latest.
Tip: Wait until you have written confirmation from your new insurer. Otherwise, you may still risk standing without additional insurance.
Insurance with different health insurance companies: is that possible?
When choosing a suitable supplementary insurance, you should consider one thing: You do not necessarily have to take out your basic and supplementary insurance with the same health insurance company. If you have nevertheless opted for all policies with one provider, policyholders can easily use the basic insurance with another insurance company.
In individual cases, however, it is possible for policyholders to lose discounts on supplementary insurance previously received. Please also note that individual additional policies have longer notice periods or other notice dates. Precise information can be found in the letters you have received from the insurance company.
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