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 doctors abroad, too, for example if you want to receive treatment from your family doctor in Germany.
The supplementary insurance covers the costs of planned outpatient treatments and prescribed therapies abroad. It only includes benefits that are covered under basic insurance in Switzerland and up to CHF 100,000 per calendar year. You pay 10% of the treatment costs.
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.
Switzerland provides excellent medical care. However, there are sometimes occasions when you want to go to a doctor outside Switzerland. For example, if you want to be examined by your gynaecologist in Germany who you’ve known for years. Or if you suffer an injury while playing sport and want to go to the nearest physiotherapist, but their practice is on the other side of the border. Such cases are not covered under basic insurance.