Do I have the right supplementary insurance?

As the name suggests, additional insurance can also be taken out, which offers a variety of different offers.

What additional insurance are there?

Supplementary insurance in Switzerland is individual and, as the name suggests, possible in addition to basic insurance. In terms of costs and premiums, there are significant differences among health insurance companies, which you should definitely take into account before closing.  

In general, there is a further difference between outpatient and hospital supplementary insurance for supplementary insurance.
Supplementary hospital insurance breaks down as follows:

• • General Department
  • Semi-private department
  • Private department
  • Flex model

In contrast, outpatient supplementary insurance offers the following offers:

• • Offers on visual aids (glasses, contact lenses)
  • non-cash medication
  • psychotherapeutic offers
  • various fitness offers
  • Vaccinations for general protection and against travel
  • Wellness offers such as cures and massages
  • Housekeeping, nursing
  • Assumption of costs for dental treatment, correction and for jaw surgery measures
  • Treatments abroad

If you decide to take out supplementary insurance, you should always take into account which health insurance provider in Switzerland offers which services and which are relevant to you.

It is up to you whether you have chosen the right supplementary insurance

As described at the beginning, the different supplementary insurance policies also offer different benefits. Let's analyze this using three examples:

Example 1:

Let us imagine a woman who, for fear of visiting the dentist, had not been to the examination for a few years. Over time, two whitening teeth have become noticeable and have been pressing on the teeth since childhood. In the meantime, the incisors are also shifting and a tooth misalignment is obvious. 

In addition, caries has formed without thorough tooth cleaning, which has produced a very large hole at one point.
Supplementary insurance within the framework of additional dental insurance would make sense here, since both orthodontic treatment and major dental treatment (possibly crown or root canal treatment) are conceivable, which is associated with high costs.

Example 2:
A pensioner lives alone, but is physically very limited due to her age. Her family lives in another city, but she does not want to move to a retirement home either, because her own apartment and the associated independence and private space are very important to her.

Supplementary insurance for pensioners is generally a good idea, as there are more frequent visits to the doctor in old age. In addition, the woman could easily and cheaply receive support in the household or nursing at home.

Example 3:

A man in his mid-40s has been an enthusiastic mountaineer for a short time. After a few excursions in the area, he is now regularly planning hobby trips abroad. There he wants to climb partly with, partly without belay and pursue his new passion.

Additional insurance is also conceivable and recommended here. An outpatient supplementary insurance applies, among other things, to treatments abroad and sometimes also covers salvage operations and the like. One would be here for high-risk hobbies.

Conclusion

These examples show that the choice of a suitable supplementary insurance clearly depends on the individual's state of health and the work environment. There is a large selection. That is why it is all the more important to include personal concerns in the selection of suitable policies. 

However, it could be disadvantageous that individual services can often not be adapted to individual needs. For this reason, policyholders should invest the necessary time in order to compare the service packages of the providers and to receive comprehensive advice. 

Finally, the premiums for supplementary insurance differ from one health insurance to another. In addition, policyholders should rule out that the insurance premiums are ultimately not higher than the actual treatment costs. 

This comparison is really worth it! Click and the right supplementary insurance in Find health insurance comparison!