Insurance plans

Basic insurance plans

Anyone who lives in Switzerland must have basic health insurance. And all health insurers have to cover the same benefits under basic insurance. These requirements are defined by the Swiss Federal Health Insurance Act (KVG/LAMal). The aim is to ensure that everyone can afford a high level of medical care.

Free choice of doctors

Basic

Mandatory basic insurance covers the basic costs of treatment in the event of illness, accident and maternity. Under Basic, you are free to choose the care provider.

Alternative insurance models

If you opt for an alternative insurance model for basic insurance, you benefit from generous discounts. Who you contact for medical advice depends on which model you choose. Choose the model that best suits your needs.

Supplementary insurance plans

Basic insurance covers the most important benefits. Supplementary insurance plans offer additional benefits, for example contributions to dental treatment, alternative medicine or gym membership.

Vital supplementary outpatient insurance

Vital

The Vital supplementary insurance gives you the choice of three insurance categories: Basic, Smart or Premium. From securing important risks to exclusive all-round cover – you decide what suits your life and budget.

 

Vital categories of insurance

Choose from three categories of insurance: Vital Basic, Smart or Premium. The higher the category of insurance, the more benefits you receive and the higher the share of costs that are covered by Sanitas.

 

Vital Basic

Vital Basic supplementary insurance closes important gaps left by basic insurance. You can rely on straightforward support in Switzerland and abroad, preventive medical care and individual medical aids. It couldn’t be easier.

 

Vital Smart

Vital Smart supplementary insurance offers a wide range of benefits for health promotion and alternative medicine. You strengthen your physical and mental fitness and choose the cover that’s right for you. It’s worth it.

 

Vital Premium

Vital Premium supplementary insurance meets the highest demands for comfortable all-round cover – including extra benefits for innovative treatments and therapies, orthodontics and parenthood. With no ifs and buts

Supplementary dental insurance plans

Dental

The Dental insurance plan covers costs that are not covered by your basic health insurance. These include preventive care, orthodontic treatment and the costs of oral surgery.

 

Dental Basic

Your basic insurance covers only a limited number of illness or accident-related dental treatments. In many cases, you will therefore have to pay for dental repairs and routine check-ups yourself. This is where the Dental Basic dental insurance plan comes into play.

Free choice of doctors worldwide

Medical Private

Your basic insurance covers standard benefits such as medical treatment at your place or residence or place of work. The Medical Private supplementary insurance plan gives you a free choice of doctor abroad, too, for example if you want to receive treatment from your family doctor in Germany.

Capital supplementary insurance plans

Salary

Incapacity to work due to accidents or illness can affect anyone. Thousands of people become unable to work every year and are off work for an average of three weeks. Depending on their insurance, they face smaller or larger financial shortfalls. The Salary daily benefits insurance plan protects you against these risks.

 

Capital

If someone becomes disabled or dies as a result of an accident or illness, there are shortfalls in provision. AHV/AVS, IV/AS and the pension fund do not provide sufficient cover against the financial consequences of disability or death. A capital (lump-sum) insurance plan supplements these benefits and offers you and your family financial security.

Supplementary hospital insurance plans

Inpatient

Basic insurance covers the cost of hospitalisation in the general ward in a multi-bed room. If you want more privacy and would like to be treated by more experienced doctors, it is worthwhile taking out a semiprivate or private supplementary hospital insurance plan.

Outpatient

More and more procedures are being carried out on an outpatient basis. That means that you leave hospital on the same day and take care of yourself. With the Hospital Day Comfort supplementary insurance plan, you benefit from a private standard of hospital care for outpatient procedures with great value for money. 

Free choice of doctors and hospitals in the private ward

Hospital Top Liberty

Hospital Top Liberty is the private supplementary hospital insurance plan with the highest level of comfort. You are assigned a personal customer advisor who is always on hand to help with any health-related matters. With the range of services on offer, you have easy access to the best doctors and state-of-the-art methods of treatment.

Free choice of doctors and hospitals in the semiprivate ward

Hospital Extra Liberty

Hospital Extra Liberty is the semiprivate supplementary hospital insurance plan with greater freedom of choice and comfort. You are assigned a personal customer advisor who is always on hand to help with any health-related matters. With the range of Preference services on offer, you have easy access to the best doctors and state-of-the-art methods of treatment.

Free choice of hospitals in the general ward

Hospital Standard Liberty

Under basic insurance, you can receive treatment in your canton of residence, while with the Hospital Standard Liberty general supplementary hospital insurance plan, you can be treated at any contractual hospital in Switzerland. And with Liberty Option, you can choose whether to upgrade to a higher category ward before admission to hospital.

Outpatient hospital insurance for high-end medical care and comfort.

Hospital Day Comfort

More and more procedures are being carried out on an outpatient basis. That means that you leave hospital on the same day and take care of yourself. With the Hospital Day Comfort supplementary insurance plan, you benefit from a private standard of hospital care for outpatient procedures with great value for money.