Supplemental Health Insurance Comparison 2024

Swiss health insurance providers differentiate between mandatory health insurance – which all residents are entitled to – and voluntary health insurance. Voluntary health insurance includes supplemental health insurance which extends outpatient and medical emergency insurance, and supplemental hospital insurance which extends inpatient insurance.

In addition to extending coverage provided by mandatory health insurance, supplemental health insurance may also include insurance coverages and benefits which mandatory health insurance does not cover at all.

The best supplemental health insurance is the offer which gives you the coverages you need at the lowest price.

Supplemental health insurance is normally sold in bundled packages which include many different individual coverages. The moneyland.ch supplemental health insurance comparison includes ratings of individual coverages as well as overall ratings of insurance packages.

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The supplemental health insurance comparison lets you find and compare offers which provide one or more of these coverages:

• Glasses and contact lenses
• Vaccinations
• Medical check-ups
• Gym cost allowances
• Medicines
• Alternative medical treatments and alternative medicines
• Psychotherapy
• Local emergency medical evacuation and transportation
• Travel emergency medical evacuation and transportation
• Travel emergency hospitalization and medical care
• Orthodontic treatments for children and teenagers
• Dental care
• Spa treatments
• Medical aides
• Prevention
• Maternity
• Ear corrections
• Home-based care

Yes. You can use mandatory health insurance from one health insurance provider and supplemental health insurance from a different health insurance provider. Some insurance providers only offer mandatory health insurance. There are also a few insurance providers which only offer supplemental health insurance.

Important: A few health insurance providers only let you take out supplemental health insurance in combination with their mandatory health insurance. However, the mandatory and supplemental health insurances are always two separate contracts. This means you can terminate your mandatory health insurance without giving up your supplemental health insurance.

Yes. Unlike mandatory health insurance which insurers are obligated to provide, supplemental health insurance is voluntary. You are not obliged to take out supplemental health insurance and insurers are not obligated to insure you.

If you have a history of poor health or are fairly old, you may find it difficult to be accepted for supplemental health insurance. In some cases, insurers may accept your application but add exclusions. For example, if your child has known orthodontic conditions, an insurance provider may accept their supplemental health insurance application but exclude coverage for orthodontics.

Yes. Unlike Swiss mandatory health insurance which has premiums that are fixed by age groups (children, young adults, adults), supplemental health insurance premiums typically get more expensive as you age. This is because the risk of your having health problems increases with age.

No. You are not required to take out supplemental health insurance in addition to mandatory health insurance. It is voluntary. This also means that health insurance providers are not required to accept your applications. If you are elderly or have existing illnesses, you may not be able to get supplemental health insurance.

Voluntary health insurance is not a must, but it can pay off depending on your situation and your needs. Supplemental health insurance offers generally bundle many different coverages. You will not likely need all of the coverages included in these package deals.

Follow these steps to determine whether an insurance will pay off for you:

1. Firstly, take a moment to list the coverages which you really need. For example, if you travel abroad regularly, you may need extended travel emergency medical and medical evacuation coverage. If you gym regularly, you may need gym membership coverage. If you have poor eyesight, you may need coverage for glasses or contact lenses.
2. As a second step, use the sort and filter criteria in the supplemental health insurance comparison on moneyland.ch to find the most affordable insurance which includes the coverages you need.
3. Thirdly, determine the value of the insurance benefits. Make sure to differentiate between coverages which you will use regularly (glasses or gym coverage, for example), and coverages for emergencies (emergency medical and medical evacuation coverage, for example). Determine the value of the insurance benefits which you know for sure you will use regularly. Example: If a supplementary health insurance pays 100 francs per year towards contact lenses and 200 francs per year towards gym memberships, the total value which you know you will get every year is 300 francs.
4. Subtract the sure value from the insurance premiums. Example: If the insurance premiums total 400 francs per year but the benefits will save you 300 francs per year in costs which you would have anyway, then the real cost of all the other insurance coverages is just 100 francs per year. You can then determine whether the remaining insurance coverages (like emergency medical evacuation, travel medical insurance, etc.) are worth that amount (100 francs per year in the above example).
5. Fourthly, compare all relevant supplemental health insurance offers accounting for differences in the value they offer. Choose the offer which offers the highest value for your money.

No. You can take out mandatory health insurance and voluntary health insurances from different insurance providers. In many cases doing this makes financial sense because the company offering the cheapest mandatory health insurance may not offer the best voluntary health insurance for your needs.

Some insurance companies offer multiple-policy discounts when you get both mandatory and voluntary health insurance from them. But these discounts tend to be relatively small.

Before you move to a different supplemental health insurance provider, take time to compare the premiums and benefits. If you find a better alternative to your existing insurance, apply for the new insurance you want before terminating your existing insurance.

Only terminate your existing supplemental health insurance after your new health insurance application has been approved. The reason for this is that insurance providers are under no obligation to accept supplemental health insurance applications. By getting approved for a new insurance before giving up your existing coverage, you avoid the risk of being left uninsured if your application is rejected.

Pay attention to the notice requirements of your existing insurance. Make sure to time your application so that your new insurance is approved in time to terminate your existing insurance with the required notice period.

While the notice period for mandatory health insurance is identical across all insurers, notice periods for supplemental health insurance vary between insurance providers. In most cases the notice periods are longer for supplemental health insurance than for mandatory health insurance.

A required notice period of 3 months ahead of the end of each calendar year is common. In this case, you will have to make sure the insurance provider receives your notice of termination by the end of September.

You can find more information about terminating supplemental health insurance here.

The supplemental health insurance comparison on moneyland.ch lets you compare voluntary health insurance offers from these health insurance providers: Assura, Atupri, Concordia, CSS, Groupe Mutuel, Helsana, Innova, KPT, ÖKK, Sanitas, Swica, Visana.