Swiss health insurer: what we offer

Basic insurance

Anyone who lives in Switzerland has to have mandatory health insurance. You can make huge savings by choosing the right model.

Basic insurance

Basic free choice of doctor

  • You choose your doctor before each treatment 
  • Go directly to a specialist without a referral 
  • Standard model with full service
Explore the benefits

Basic insurance

Callmed & Compact One TelMed models

  • Initial consultation with professional Medgate doctors
  • Medical advice 24/7 by phone or video via the Sanitas Medgate app 
  • Premium discount of between 7% and 21%
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Basic insurance

MultiAccess

  • In medical matters, flexibly choose between your medical practice, the telemedicine centre or one of our partner pharmacies.
  • For easy access to experts, efficient treatment and the highest quality
  • 9% to 13% premium discount
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    Hospital insurance

    Supplementary hospital insurance is the right choice if you want more comfort in hospital and access to leading doctors and experts.

    Hospital insurance

    Hospital inpatient

    • A room on the private, semiprivate or general ward
    • Free choice of doctors and hospitals among all Sanitas-accredited partner hospitals
    • Rapid access to specialists and a second medical opinion
    Details

    Hospital insurance

    Accident insurance

    • Single or two-bed room for hospital stays
    • Cost share for home help  
    • Emergency treatment abroad
    Details

    Hospital insurance

    Hospital Day Comfort

    • Free choice of doctors and hospitals in Sanitas partner hospitals
    • Rapid access to specialists and a second medical opinion
    • More comfort before, during and after outpatient procedures
    Details

    Hospital insurance

    Change hospital standard with Hospital Upgrade

    • Upgrade to the next-highest supplementary hospital insurance plan without a health check
    • Only switch when you want to
    • Only available with Hospital Standard Liberty or Hospital Extra Liberty
    Details

      Supplementary insurance

      Supplementary insurance plans offer additional benefits over and above basic insurance and are ideal for anyone who doesn’t want to compromise on their health and comfort.

      Supplementary insurance

      Vital outpatient insurance

      • Supplements basic insurance and covers important risks
      • Three categories of insurance to suit your needs and budget 
      • Generous contributions towards health promotion, emergencies abroad and dental braces
      Details

      Supplementary insurance

      Easy travel health insurance

      • Covers share of costs of emergency treatment abroad 
      • Contributions to transport and rescue costs  
      • All-round support from Sanitas Assistance
      Details

      Supplementary insurance

      Capital lump-sum insurance

      • Straightforward financial assistance in the event of death or disability
      • Free use of invalidity or death benefits
      • Permanent cover for occupation and leisure
      Details

      Supplementary insurance

      Planning a Family

      • Additional rounds of artificial insemination
      • Prenatal and genetic tests 
      • Access to fertility clinics across Switzerland 
      Details

      Supplementary insurance

      Medical Private free choice of doctor worldwide

      • Planned outpatient treatments and prescribed therapies abroad
      • Outpatient treatment in Switzerland by doctors who bill according to their own rates
      Details

      Supplementary insurance

      Salary daily benefits insurance

      • Compensation for loss of earnings for employees and self-employed 
      • In the event of illness, accident and pregnancy-related complications
      • Up to CHF 500 per day for up to 720 days within a period of 900 days
      Details

        *Example of 7% discount: Adult premium for Family Doctor compared to Basic (Aargau, CHF 300 deductible, with accident cover)

        Example of 21% discount: Adult premium for TelMed (Compact One) compared to Basic (Geneva, CHF 2,500 deductible, with accident cover)