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Supplementary insurance for families

Family

Our Family supplementary insurance plan provides additional benefits such as orthodontic treatments that are not covered or only partially covered under basic insurance. This plan is therefore the ideal solution for parents who want comprehensive protection for their family.

Your benefits with Family

The Family supplementary insurance plan includes benefits that are important for many families. You don’t have to choose each benefit individually and can be sure of comprehensive cover. This complete solution pays higher or additional costs and contributions compared to basic insurance. For example, for:

 

  • Alternative medicine
  • Maternity
  • Fitness centre membership
  • Check-ups
  • Gynaecological check-ups
  • Glasses
  • Dental braces

 

The Family plan supplements your basic insurance when you want to provide comprehensive cover for your family and protect yourself against costly invoices, for example if your son or daughter needs expensive dental braces. What’s more, you can use the individual benefits account to adjust the cover flexibly to the requirements of individual family members and save on premiums.

Overview of benefits

The amounts listed are maximum benefits and – unless specified otherwise – are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, the general terms of insurance and applicable supplementary terms issued by Sanitas.

Flexible planning with the benefits account

All benefits covered are paid from the benefits account. You can choose an individual limit of CHF 10,000, CHF 25,000 or CHF 50,000 for every family member. For example, CHF 10,000 for mother, father and son, but CHF 25,000 for the daughter because she’ll need dental braces soon.

How to optimise your cover and benefits: you can opt for a lower limit for family members who are less likely to draw benefits and vice versa.

Budgeting for braces with Family

The costs add up when your child needs braces. Removable braces cost up to CHF 5,000, while fixed braces cost up to CHF 15,000. Costs like this put a strain on the family budget. Family covers 80% (up to the limit of the benefits account). Fixed braces for your child cost CHF 12,000. Thanks to the Family plan you pay only CHF 3,000 instead of CHF 15,000.

Rooming-in: stay with your child in hospital

Children need their parents when they’re in hospital, especially at night if they wake up and call for mum or dad. Family covers 80% of accommodation costs for one parent, so you can be near your child and offer comfort when they need it most.

Take out insurance online now

You can take out insurance online or by phoning our customer service team. Our advisors are available from Monday to Friday, 8 am to 6 pm on 0800 22 88 44.

Supplement Family with a hospital insurance plan

Hospital Standard Liberty
Free choice of hospitals in the general ward
Hospital Extra Liberty
Free choice of doctors and hospitals in the semiprivate ward
Hospital Top Liberty
Free choice of doctors and hospitals in the private ward

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