Our insurance plans

Choose the one that best suits your needs from our range of insurance. Are you a student? Do you have a family or a business? Then here you will find exactly the right insurance for you, tailored to your needs.





Health insurance (KVG) covers all costs for the entire treatment of the disease, including the necessary diagnostic measures, medication, preventive care, aftercare, etc. Basic insurance covers the costs of treatment and necessary medication. Compulsory insurance offers the same benefits in all insurance companies.

Premiums 2022

The compulsory Basic health insurance  provides benefits in the event of illness, accident and maternity. All health insurers that provide mandatory health insurance must cover the same statutory scope of benefits. According to the law, the  only provides services that are effective, appropriate and economical. 

In recent years, we've been paying more and more for health insurance, even though our salaries remain the same. There are many ways to lower your mandatory health insurance premium.

Saving in basic insurance

With the health insurance comparison, you can save an average of CHF 1,000 in premiums per year for the same services. Why pay more?

 Mandatory basic insurance

Thanks to compulsory healthcare insurance, everyone residing in Switzerland has access to a good healthcare system that includes medical care, pharmacies and, if necessary, hospital services. Compulsory health insurance Basic provides benefits in the event of illness, accident and maternity. All health insurance companies that operate statutory health insurance must cover the same statutory scope of services. Within the meaning of the law, it only provides services that are effective, appropriate and economical. Basic insurance is compulsory in Switzerland.

If you work 8 hours a week, it insures your employer against accidents. You can therefore exclude accident insurance from your health insurance. Compulsory health insurance covers all costs for all illness treatments, including necessary diagnostic measures, medication, preventive care, aftercare, etc. Basic insurance covers the costs for necessary treatments and medication. Compulsory insurance offers the same benefits with all insurance companies.

Exclusion of accident coverage

The Accident Insurance Act stipulates that your employer insures you against occupational and non-occupational accidents if you work at least eight hours a week.

Accident insurance is compulsory in Switzerland and protects employees in Switzerland against the economic health consequences of accidents at work and occupational accidents or occupational diseases. The Accident Insurance Act stipulates that your employer will insure you against accidents if you work at least eight hours a week. In addition, domestic workers, trainees and cleaning staff in private homes must be insured. In Switzerland, housewives, children, students and pensioners must be insured against accidents as part of the compulsory health insurance KVG.

Choosing a higher deductible

In the regular insurance, the deductible (annual amount with which you contribute to the costs) is 300 CHF for adults (CHF 0 for children). You can choose a higher franchise and pay lower premiums for it.

You have the right to change your deductible every year and, as insured, you can choose one of the following deductibles:

Annual deductible children (0-18)

 Annual deductible youths (19-25)

 Annual deductible adults > 26 

CHF    0

CHF  300.-

CHF  300.-

CHF 100

CHF  500.-

CHF  500.-

CHF 200

CHF 1000.-

CHF 1000.-

CHF 300

CHF 1500.-

CHF 1500.-

CHF 400

CHF 2000.-

CHF 2000.-

CHF 500

CHF 2500.-

CHF 2500.-



Family doctor model

By choosing the family doctor model, you undertake to always consult your family doctor first, except in emergencies and consultations with an ophthalmologist, dentist and gynecologist.

Check your entitlement to premium reductions

People in modest economic circumstances are entitled to contributions to their health insurance premiums. Have you just settled in Switzerland?  Health insurance is compulsory in Switzerland, so you must take out insurance if you are domiciled in  Switzerland. Insurance coverage is individual.

Supplementary insurance

If you have special needs or feel that a standard KVG is not sufficient, then we can help you tailor insurance coverage to suit your profile. Fitness, alternative medicine, special vaccines, dental insurance, glasses and travel insurance are among the benefits of the supplementary insurance. A wide range of insurance supplements the benefits of basic insurance.

Additional insurance is not compulsory. Therefore, you must state your state of health for admission. The health insurance company can reject your application. We therefore recommend that you always take out supplementary insurance before the birth of your child or when your child is completely healthy. With supplementary insurance, you can insure important services at home and abroad that are not covered by basic insurance. A wide range of insurance supplements the basic insurance benefits. Discover the supplementary health insurance that best suits your family, at a personalized price.

Hospital Insurance

If you opt for additional supplemental hospital insurance. Then you enjoy more freedom of choice with an inpatient hospital stay. With the supplementary insurance, semi-private ward or private ward, you have coverage for a double or single room, with a free choice of doctor.

«Private ward» Comfortable hospital stay in a 1 bed room, unlimited cost coverage, free choice of recognized hospitals and clinics throughout Switzerland. REQUEST AN OFFER

«Semi-private ward» Comfortable hospital stay in a 2 bed room with a large number of hospitals and clinics throughout Switzerland, free choice of doctor (within the facility.  REQUEST AN OFFER

«General ward» It covers additional costs in the hospital if you are treated outside the canton of residence or in an emergency. REQUEST AN OFFER

Dental insurance

Dental insurance offers a comprehensive health service, from check-ups to tooth correction with highly qualified professional dental treatments. Teeth are vital and it is known that the cost of dental treatment in Switzerland is very high.

Alternative medicine

You are also fully protected for alternative medicine, especially if you prefer alternative healing methods. Conventional medicine and complementary medicine take a different approach. Conventional medicine is based on scientifically proven studies, while natural medicine is based on the use of certain methods that are not scientifically recognized. Sometimes, when conventional medical treatment doesn't work as expected, natural alternative medicine can be of great help for certain types of diseases.
What are the so-called complementary or alternative medical methods?

For example, homeopathy, acupuncture, traditional Chinese medicine, osteopathy, kinesiology, Bach flowers, phytotherapy, acupressure, shiatsu, reflexology, cranio-sacral therapy, aromatherapy, bioresonance, Ayurveda, lymphatic drainage, among others.

What are the reasons for using complementary medicine?
There are several reasons that are individual to each person, but the most common are to use less medication, treat chronic diseases, and relieve pain. Also for well-being, relaxation, disease prevention.

For what diseases or pains is alternative medicine used?
Some of the alternative medicine methods are used by doctors and physical therapists for back pain, joint pain, migraine headaches, chronic constipation, neck pain, menopause symptoms, etc.

How much does natural health insurance cost?
It depends on each insurer, not all have the same benefits.


Accident insurance
 

Employers are legally obliged to take out accident insurance for their employees. Depending on your company's area of activity, Suva or a private insurer is responsible. Note that compulsory accident insurance only offers limited benefits. The supplementary accident insurance covers the gaps in the compulsory insurance and offers better compensation in the event of an accident. In the event of disability as a result of an accident, there is additional insurance. In the event of disability, further development of benefits is possible up to 350% of the subscribed capital with worldwide coverage in private distributions in the event of hospitalization.

Travel insurancee

Travel insurance is responsible for covering medical expenses abroad. Even some insurance companies offer flight cancellation and financial assistance for the loss of documents such as passports.

Travel insurance is important, regardless of whether you are traveling alone, with friends or family and outside of Switzerland. It doesn't matter if you are on vacation or on business. Good travel insurance should include accident and health coverage, as well as repatriation, assistance and a range of supplemental insurances to protect you and your family.

What should I do in an emergency abroad?

If you need any assistance during your trip, all you have to do is call the insurance company, which usually has a support staff to help you with any queries.

How much does the compulsory insurance cover abroad?

Emergencies abroad EU and EFTA countries: in accordance with bilateral agreements. Other countries: up to twice the tariff of the canton of residence.

What are the benefits of travel insurance?

  •  Payment of the treatment costs
  •  Ambulance transport and repatriation
  • Search and rescue
  • Advance payment in the event of a hospital stay
  • Arrival of a close relative if you are hospitalized abroad       


How long do I have to take out travel insurance?

The best and cheapest solution is to have travel insurance as additional cover all year round! The monthly premium remains the same even though you are only abroad for 1 week or 8 months (worldwide). And, if you spontaneously go on a weekend abroad and suddenly have a health problem ... it will be uncomfortable and expensive if you don't have insurance coverage.

Is travel insurance necessary?
Yes, supplementary travel insurance offers a wide range of benefits that complete the basic insurance benefits.

Maternity Insurance

Health insurance is more important than ever when you're pregnant or planning to become pregnant. Health insurance covers prenatal care, childbirth, pediatric care and vaccinations for your baby. The prenatal registration is the registration of an unborn child with the health insurance company. The policy is fixed on the date of birth.

Prenatal REGISTRATION

Registering your baby before the birth is very important for supplementary insurance. Since additional insurance is not compulsory, there is a possibility that your child will be born with complications and that additional insurance will be rejected. Some important therapies such as alternative medicine are not compulsorily insured. In addition, registering your child before the birth is free. 

Important! No health questionnaire for prenatal completion.


Maternity benefits

Compulsory health insurance covers the costs of special maternity benefits.

  • Birth at home, in a hospital, or in a birthing center.
  •  Examinations by doctors or midwives during and after pregnancy.
  • Contribution to the cost of antenatal courses and breastfeeding advice.


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Cost contributions ?

In the case of maternity, there is no cost sharing from the 13th week of pregnancy and up to eight weeks after the birth. » Get information here

Antenatal care?

Antenatal care is an important part of medical care during pregnancy to protect your health and that of your future baby.

Is your child already born?

You must inform the health insurance company that your child has already been born.

First medical consultation?

The pediatrician will monitor the development of the future baby and perform routine tests to identify and avoid possible health problems. 

It is mandatory to take out basic insurance for your child in Switzerland. Parents must sign a contract with a health insurance company in the first three months of life. The baby package includes basic and additional insurance and offers full protection for children.  Here you can request an offer for the cheapest health insurance for your child in your region.

Over 50

With increasing age, the requirements for health protection change; this is completely normal. With basic insurance, every health insurance covers the same benefits, only the premiums vary depending on the type of health insurer! 

> Thanks to my health insurance, I always stay young. For the same benefits, I even save over CHF 1,000 per year!  So, why pay more for the same services?         

REQUEST AN OFFER

If you have special requests or you think that mandatory insurance is not enough, we can help you tailor the insurance coverage to your profile. Here we expose you a wide range of complementary insurances that complete the basic insurance benefits. Fitness, alternative medicine, special vaccines, dental insurance, glasses and travel insurance are among the benefits of the supplementary insurance. A wide range of insurance supplements the basic insurance benefits.


Change Health Insurance

Would you like to change your health insurance company? Do you need help in the transition phase? Do you feel lost with all the information and red tape?

The health insurance premiums are not the same, they vary depending on the insurer, age and place of residence. If you want to change your health insurance company, you can apply to a new recognized health insurance company.

         Change Health Insurance now!

All health insurance companies offer the same services for compulsory insurance, but the premiums are not the same. Therefore, you have the right to change your health insurance once a year, provided you adhere to the following rules:

Basic Insurance Termination

  • Notice of cancellation must reach the insurer by registered mail on the last working day before the start of the notice period.  
  •   Cancellation must be received by registered mail on the last business day before the start of the notice period.
  •   It is not possible to change the health insurance for outstanding debts.
  • The new health insurance must send a confirmation of acceptance to the previous health insurance

Co-payment

  • Deductible (if costs exceed the deductible)

       20% if generic exists but is not used)
       Adults, 10% max. CHF 700 per calendar year
       Children, 10% max. CHF 350 per calendar year

  • Hospital contribution

        CHF 15 per hospital day

  • Pregnancy & childbirth

        No cost sharing

Change of insurer KVG

With a normal deductible CHF (300 & 0) as of June 30 and December 31.

  • 3 months' notice on March 31 and September 30.

        If the new premiums are notified by December 31, 1 month's notice of November 30

 

Family health insurance
Insuring your family is one of the most important and responsible things you can do. Sometimes this can be a difficult task, especially given the many variations such as family size and the type of insurance chosen.

A family health insurance plan can be very expensive, but at the same time those who use it believe that saving is not the top priority because the health of your family is at stake, who buy very expensive and ineffective insurance, choose complementary items, that are not tailored to their needs and opt for very low deductibles, thereby increasing annual healthcare costs with no real benefit. These bad decisions turn out to be very expensive and ineffective health insurance, with a negative impact on the finances and health of one's own family. You have the right to a free choice of health insurance, children and parents do not have to be insured with the same insurance. You are free to choose your health insurance and are included in the basic insurance without any conditions.     

We are at your disposal for questions and further information. We would like to offer you the cheapest health insurance premiums for your region. Our specialists are at your disposal for a personal conversation and will advise you completely free of charge and without obligation.

Learn more? Please contact us.






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