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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 doctors abroad, too, for example if you want to receive treatment from your family doctor in Germany.  

Your benefits with Medical Private

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.


  • Outpatient treatment outside Switzerland
  • In Switzerland for doctors who bill according to their own rates and not in line with KVG/LAMal
  • Costs covered up to CHF 100,000, maximum copayment of CHF 1,000

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Go to a doctor of your choice

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.

The amounts listed are for 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, and the general terms of insurance and applicable supplementary terms issued by Sanitas.

Basic insurance
Choose your insurance model
  • Five models for basic insurance
  • Free choice of doctors, telemedicine, family doctor or HMO practice
  • Premium discount of up to 15%
To the models
Supplementary insurance plans
Supplement basic insurance benefits
  • Cover costs that exceed basic insurance
  • Money towards additional treatments such as alternative medicine
  • Contributions towards preventive care such as check-ups
Supplementary insurance
Supplementary hospital insurance plans
Choose a hospital ward
  • General, semiprivate or private
  • Free choice of doctors and hospitals in Switzerland and abroad
  • Greater flexibility thanks to Hospital Upgrade
Hospital insurance