Sanitas Vital Premium

Premium outpatient insurance

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General

General information:

Outpatient insurance Sanitas Vital Premium.

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year.

Premiums and discounts:

Amount of premiums varies depending on the age, place of residence and gender of the insured person.
Discount for early payment.
The last age class change is at age 96.
The premiums for 2026 are shown here.

Glasses and contact lenses:

Cost contribution to eyeglass lenses, contact lenses and vision aids or eye lasering: 100%, up to CHF 600 within 3 calendar years, including neighboring foreign countries.

Vaccinations:

80 percent cost contribution, up to a maximum of CHF 1500 per calendar year including preventive measures.

Preventative examinations:

Contribution of 80 percent to the costs of check-ups, gynecological examinations and early detection of cancer up to CHF 1500 per calendar year, including vaccinations.
Self-tests, online birthmark checks and glaucoma prevention consultations are also covered.

Gym memberships:

Cost contribution of 80 percent to fitness subscriptions and exercise classes, up to a maximum of CHF 400 per calendar year.
Cost contribution of 80 percent to other health promotion (nutrition, mental balance, etc.), up to a maximum of CHF 400 per calendar year.

Medicines:

90 percent of medicines not coverd by health insurance companies.

Alternative medicine:

80 percent up to CHF 10,000 per calendar year (massages up to CHF 750 per calendar year).

Psychotherapy:

Cost contribution to nonphysician psychotherapy: 80 percent up to CHF 5000 per calendar year together with ligation, correction of protruding ears, digital therapy services and genetic tests.

Search & rescue in Switzerland:

Full cover for emergency transportation and rescue costs. Search costs: CHF 50,000 per event.

Search & rescue abroad:

Costs are covered if organized by Sanitas Assistance.

Medical costs abroad:

Full coverage of outpatient and inpatient emergency treatment for a maximum of 180 days.

Tooth misalignment treatments:

Treatment of tooth misalignment up to the age of 20 (end of calendar year): 80 percent (per calendar year), including neighboring foreign countries.

Dental treatments:

No coverage.

Spa & convalescent therapy :

Coverage within hospital insurance.

Equipment:

90 percent up to CHF 1000 per calendar year (amount in excess of basic insurance benefit and others according to list).

Sterilization:

Cost contribution to ligation: 80 percent up to CHF 5000 per calendar year together with nonphysician psychotherapy, correction of protruding ears, digital therapy services and genetic tests.

Maternity:

For example antenatal classes, postnatal exercise classes and first aid courses: 80 percent up to CHF 1000 per calendar year. Waiting period: 9 months.
The daily parental/adoption allowance is also included in the cover (pregnancy-related termination of the Premium insurance level for the child, taking unpaid leave within 6 months after the birth).

Ear corrections:

Cost contribution to correction of protruding ears: 80 percent up to CHF 5000 per calendar year together with nonphysician psychotherapy, ligation, digital therapy services and genetic tests.

Home care:

Coverage within hospital insurance.

Additional services:

Full cover even with pre-existing conditions (for a surcharge or with restriction).
Downgrading (without health check) of the insurance level possible (per first day of the month).