innova Outpatient supplementary insurance sanvita plus three

Transport, rescue & recovery
Vision aids and contact lenses
Health promotion: group classes and clubs
Online psychological health counseling
Outpatient procedures at the hospital, travel expenses for a series of treatments

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General

General information:

Coverage begins only after a health assessment has been completed. The “Ambulatory Supplementary Insurance Plus Three” plan can be purchased in combination with the other ambulatory supplementary insurance plans. The benefits are complementary.

Notice period:

3-month notice period: Notice of termination must be received by innova no later than September 30.

Premiums and discounts:

The premiums are gender-neutral and based on age.
The premiums for 2026 are shown here.
Family discount of 20%.
A premium discount of 5% (when combined with Plus 1) or 15% (when combined with Plus 2).

Glasses and contact lenses:

Cost contribution to eyeglass lenses, contact lenses and vision aids: 75%, CHF 200 per calendar year up to the age of 18. CHF 200 every 3 calendar years from the age of 19.

Vaccinations:

Cost contribution to Check-ups and preventive examinations: 75% up to CHF 500 per calendar year together with vaccinations.

Preventative examinations:

Cost contribution to Check-ups and preventive examinations: 75% up to CHF 500 per calendar year together with vaccinations.

Gym memberships:

Contribution to the costs of health promotion courses or measures: 75%, up to a maximum of CHF 300 per calendar year.
Contribution to the costs of associations: 50%, up to a maximum of CHF 100 per calendar year.

Medicines:

75% of the costs (maximum CHF 5000 per calendar year) of medicines not covered by health insurance companies.

Alternative medicine:

Benefits from Product Plus One or Plus Two.

Psychotherapy:

Cost coverage for approved online mental health counseling services: 75%, up to a maximum of CHF 300 per calendar year.

Search & rescue in Switzerland:

Emergency transport, rescue and recovery operations: 100%.

Search & rescue abroad:

Emergency transport, rescue and recovery operations: 100%.

Medical costs abroad:

Outpatient emergency treatment by a qualified doctor: 100%.

Tooth misalignment treatments:

Benefits from Product Plus One or Plus Two.

Dental treatments:

Benefits from Product Plus One or Plus Two.

Spa & convalescent therapy :

Benefits covered by supplementary hospital insurance.

Equipment:

75%, up to CHF 3000 within three years for medically prescribed aids.

Sterilization:

Benefits from Product Plus One or Plus Two.

Maternity:

Covered by supplementary hospital insurance. Certain benefits related to pregnancy and maternity are also covered in addition to basic insurance in the outpatient coverage.

Ear corrections:

Benefits from Product Plus One or Plus Two.

Home care:

Medically prescribed care and assistance at home: Coverage of 50% for a maximum of CHF 2000 per calendar year.

Additional services:

Dietary counseling: 100% for medically prescribed counseling by certified nutritionists.
Health legal protection (up to CHF 300,000 per claim within Europe, up to CHF 150,000 per claim outside Europe).
Second opinion prior to outpatient treatment.
Outpatient surgical procedures at a hospital or outpatient facility: CHF 300 per outpatient treatment, once per calendar year.
Travel expenses for specific outpatient treatment series: 75%, up to a maximum of CHF 500 every 3 calendar years.