New: full cover even with a pre-existing condition
Free choice of doctor worldwide

Go to a trusted doctor abroad

Supplementary insurance for a free choice of doctors worldwide: Medical Private

Does your trusted doctor practise abroad? No problem! We cover the costs.

Key benefits

Outside Switzerland

You are not tied to Switzerland and can receive planned outpatient treatment abroad.

Financial security

We cover the costs up to CHF 100,000, with a deductible of 10% – up to CHF 1,000 per calendar year.

No tariff restrictions

We cover the costs of outpatient treatment, even if doctors in Switzerland bill according to their own tariffs rather than the statutory ones.

Who is Medical Private suitable for?

Medical Private is the right choice for all those for whom maximum freedom in the choice of doctor is important – whether at home or abroad, and even if doctors bill according to the statutory tariff or their own tariffs.

 

Why Medical Private insurance makes sense

Get treatment abroad

Medical care in Switzerland is excellent. However, you may have been in good hands with a family doctor in Germany for years. Or do you have a sports injury and live in a border region? Perhaps your nearest physiotherapist practises in a neighbouring country. In such cases, basic insurance doesn’t cover the costs. That’s when Medical Private comes in.

Greater freedom in Switzerland too

In addition, supplementary insurance also covers services provided by doctors who don’t charge according to statutory tariffs. These are not covered by basic insurance. Medical Private covers the costs if, for example, your trusted gynaecologist decides to start charging according to their own rates.

Full cover even with a pre-existing condition

With the individual premium supplement, Sanitas is the first health insurer in Switzerland to offer many people with pre-existing health conditions or consequences of accidents the option to take out supplementary insurance with full cover.

Find out more

Overview of benefits

 

Basic health insurance
Supplementary insurance

Medical Private
Calculate premium
Outpatient treatments
Switzerland

Treatment by doctors and chiropractors as well as medically prescribed therapies provided by other medical professionals, max. tariff at place of residence or work

Max. CHF 100,000 per calendar year towards treatments provided by non-KVG/LAMal doctors (KVG Art. 44, para 2), who are not permitted to provide care in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal). (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.)

EU/EFTA

Treatment as per bilateral agreements on free movement of persons

Max. CHF 100,000 per calendar year for Outpatient treatments provided by doctors and hospitals. (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.)

Other countries

Up to max. of double the costs paid under the tariff for the place of residence or place of work

Max. CHF 100,000 per calendar year for Outpatient treatments provided by doctors and hospitals. (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.)

Medicines/drugs

Drugs as per the Department of Health’s list of pharmaceutical specialities

Reimbursement on prescription by a doctor recognised under Medical Private (excluding: negative list). (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.)

Cost share

Depending on chosen deductible

10%, up to max. CHF 1,000 per calendar year

Downloads

  • Medical Private product sheet
  • Medical Private supplementary terms
  • General terms of insurance for all supplementary insurance plans

Frequently asked questions

  • What does my basic insurance cover?

    Your basic insurance covers standard benefits such as planned medical treatment within Switzerland and at statutory rates. This supplementary insurance extends your free choice of doctor in Switzerland and beyond.

  • Does this supplementary insurance also cover treatment in hospital?

    No, the Medical Private supplementary insurance plan covers the costs of planned outpatient treatment provided by doctors and medically prescribed therapies worldwide.

  • Am I covered for emergencies abroad?

    The Medical Private supplementary insurance only covers planned outpatient treatment. In the event of an emergency abroad, basic insurance covers standard benefits. If you’d like comprehensive support and services such as repatriation to Switzerland, we recommend that you take out travel health insurance. 

  • Can anyone take out this supplementary insurance?

    Yes, that’s possible. For this, as with other supplementary insurance plans, you first have to answer health questions. We then check if admission is possible.