Since these can be associated with high costs, it is worth taking a closer look. The following article shows which of the additional insurance policies you really need and which are just a nice addition.
More than three quarters have supplementary insurance
Around 80 % percent of all Swiss have at least one supplementary insurance, but which really makes sense because it is also used differs from person to person and must be decided individually. Are you wearing glasses?
Then an additional visual aid insurance is useful. Are you a cozy couch potato? Then you may not need additional fitness subscription insurance.
Even within the supplementary insurance there are differences, because the benefits may differ between the individual insurers. There is no obligation for the health insurance companies to accept everyone who is insured, instead they can decide which persons can and should not be privately insured with them.
These can be health or age reasons, but also? Just like that ?. In addition, premium levels will be set in line with risk and graded according to age and gender, and there will also be reservations.
Two types of supplementary insurance: outpatient and supplementary hospital insurance
The offer of supplementary insurance at the health insurers is not uniform. Anything that is related to a medical or health focus can also be insured. Some health insurance companies also offer insurance packages that can make sense individually, as this reduces the premium amount.
The disadvantage of the packages is often that the benefits are limited to a maximum amount per year.
Before taking out additional insurance, the offers and services in the list should be checked and compared if necessary. Before starting therapy, you should have the transfer confirmed in writing.
Which outpatient supplementary insurances are important and which are more negligible or only useful for a few?
Important | Rather unimportant |
- glasses and contact lenses (for glasses wearers) - Home nursing and household help (in old age) - Costs of dental treatment, tooth position corrections, measures of jaw surgery; - foreign insurance - Additives from alternative medicine | - Measures for preventive health care (subscription to the fitness center) - Bathing and relaxation cures - Emergency and relocation transports as well as rescue and recovery costs - ambulance - Non-mandatory medication - Psychotherapy by psychologists without medical training |
The weighting is given with reservations and should be understood as a tendency, because the last decision has to be made by everyone.
Supplementary hospital insurance: Not equally suitable for everyone
When choosing supplementary hospital insurance, the Swiss have three options to choose from:
- General department for the whole of Switzerland: Insured persons can choose a hospital in all of Switzerland. However, the fund will only cover the maximum amount that a hospital in the canton of residence would have cost.
- Semi-private department throughout Switzerland: The costs for a twin room are covered and a senior doctor treats the insured. Attention: Most hospitals in Switzerland already have double rooms, which is why it is worth taking a closer look at the list of services offered, including deductibles, bonus programs and hospital lists.
- Private department throughout Switzerland: Insured persons are entitled to a single room and treatment by a senior doctor.
Conclusion: Is it worth comparing?
The range of supplementary insurance in Switzerland is very extensive. However, a disadvantage of many insurance packages is that the related benefits are not tailored to the individual needs of policyholders. This means that there is a risk of paying for a service that is not used at all in the case of an overall package.
If you want to avoid this risk, you are therefore well advised to compare different service packages from individual health insurance companies with one another, or even to seek advice if in doubt. The amount of the premiums also varies from health insurance to health insurance.
It is of course important to ensure that the amount of the premiums is ultimately not more expensive than the actual treatment costs.
It's worth comparing! Now click here and the addition - Use health insurance comparison!
