Sanitas Vital Smart

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Sanitas Vital Smart

  • Standard outpatient insurance

General

General information:

Outpatient insurance Sanitas Vital Smart.

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, gender of the insured person, cost coverage of alternative medicine and cost coverage of health promotion.

Alternative medicine: 80% of the costs, maximum CHF 2500 or CHF 5000 per year.
Health promotion: 50% of the costs, maximum CHF 400 or CHF 600 per year.

The higher cover is used to calculate the premium.

Glasses and contact lenses:

Cost contribution to eyeglass lenses, contact lenses and vision aids or eye lasering: 100%, up to CHF 300 within 3 years.

Vaccinations:

80 percent cost contribution, up to a maximum of CHF 1000 per year including preventive measures.

Preventative examinations:

Cost contribution of 80 percent for check-ups, gynecological preventive examinations and early detection of cancer up to CHF 1000 per year including vaccinations.

Gym memberships:

You can choose between two types of insurance cover:

Option 1: Cost contribution of 50 percent to fitness subscriptions and exercise classes, up to a maximum of CHF 200. Cost contribution of 50 percent to other health promotion (nutrition, mental balance, etc.), up to a maximum of CHF 200.
Option 2: Cost contribution of 50 percent to fitness subscriptions and exercise classes, up to a maximum of CHF 300. Cost contribution of 50 percent to other health promotion (nutrition, mental balance, etc.), up to a maximum of CHF 300.

Medicines:

90 percent of medicines not coverd by health insurance companies.

Alternative medicine:

You can choose between two types of insurance cover:

Option 1: 80 percent up to CHF 2500 per year (massages up to CHF 250 per year).
Option 2: 80 percent up to CHF 5000 per year (massages up to CHF 500 per year).

Psychotherapy:

Cost contribution to nonphysician psychotherapy: 80 percent up to CHF 1000 per year together with ligation and correction of protruding ears.

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 treatment for a maximum of 180 days.

Tooth misalignment treatments:

Treatment of tooth misalignment up to the age of 20: 50 percent.

Dental treatments:

No coverage.

Spa & convalescent therapy :

Coverage within hospital insurance.

Equipment:

90 percent up to CHF 1000 per year.

Sterilization:

Cost contribution to ligation: 80 percent up to CHF 1000 per year together with non-physician psychotherapy and correction of protruding ears.

Maternity:

For example antenatal classes, postnatal exercise classes and first aid courses: 80 percent up to CHF 1000 per year. Waiting period: 9 months.

Ear corrections:

Cost contribution to correction of protruding ears: 80 percent up to CHF 1000 per year together with non-physician psychotherapy and ligation.

Home care:

Coverage within hospital insurance.

Additional services:

Not specified.

Scope of services

Scope of services
Glasses and contact lenses
Vaccinations
Preventative examinations
Gym memberships
Medicines
Alternative medicine
Psychotherapy
Search & rescue in Switzerland
Search & rescue abroad
Medical costs abroad
Tooth misalignment treatments
Spa & convalescent therapy
Medical aids and equipment
Sterilization
Maternity
Ear corrections
Home care