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.
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:
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.
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.
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.
TThe 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 pays 80% of the costs (up to the limit of the benefits account), which means it provides cover of CHF 12,000 for fixed braces. Thanks to the Family plan you pay only CHF 3,000 instead of CHF 15,000.
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.