The ideal supplementary insurance for every lifestyle
Vital: supplementary outpatient insurance
From alternative medicine to fitness centre membership: the flexible supplementary insurance to suit every lifestyle and budget.
Key benefits
Who is Vital suitable for?
The Vital supplementary outpatient insurance solution is perfect for anybody who wants to actively promote their physical and mental fitness – thanks to its wide range of preventive, medical and health-promoting measures.
Why Vital supplementary insurance makes sense
Vital supplementary outpatient allows you to insure outpatient benefits not covered or only partly covered under basic insurance, such as alternative medicine, a fitness centre membership and much more. Just as suits your lifestyle and your budget.
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Supplement your basic insurance – in line with your requirements
Choose the option that suits your health needs and your budget. Vital supplementary outpatient insurance offers three categories of insurance:
- Basic
- Smart
- Premium
The higher the category of insurance, the more benefits you receive and the higher the share of costs covered. No matter which category you choose, you’ll receive excellent value for money.
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Comprehensive package of benefits
The Vital supplementary outpatient insurance solution pays higher costs or makes more generous contributions compared to basic insurance. For example, for:
- Health promotion, e.g. cost contributions to fitness centre memberships or courses
- Glasses, contact lenses or laser eye surgery
- Alternative medicine
- Orthodontics
- Check-ups
- Rescue operations in Switzerland and emergency treatment abroad
- Extra benefits, e.g. for state-of-the-art treatment methods like genetic testing or innovative digital therapies
- Health promotion, e.g. cost contributions to fitness centre memberships or courses
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.
Overview of benefits
Basic insurance |
Close gaps
Vital Basic |
Be flexible
Vital Smart |
Enjoy all-round cover
Vital Premium | |
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Calculate premium
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Calculate premium
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Emergency transport and rescue operations in Switzerland | Emergency transport: 50%, up to CHF 500 Rescue: 50%, up to CHF 5,000 |
100%, unlimited, for emergency transport and rescue |
Same as Vital Basic |
Same as Vital Basic |
Search and recovery operations in Switzerland | – |
100%, up to CHF 50,000 per event, for search and recovery costs |
Same as Vital Basic |
Same as Vital Basic |
Emergency treatment abroad | EU/EFTA: Treatment as per bilateral agreements on free movement of persons Other countries: maximum of double the costs paid under the tariff for the canton of residence |
100%, unlimited, for outpatient and inpatient treatment for max. 180 days (excluding copayments for cost shares in accordance with basic insurance or the bilateral agreements with EU/EFTA states and the United Kingdom of Great Britain/Northern Ireland) |
Same as Vital Basic |
Same as Vital Basic |
Assistance and services in the event of illness or accidents abroad | – |
Services organised by Sanitas Assistance, including medically necessary transportation and repatriation, procurement of medicines, organisation of accommodation, up to 10 overnight stays at CHF 200 each |
Same as Vital Basic |
Same as Vital Basic |
Drugs as per the Department of Health’s list of pharmaceutical specialities |
90%, unlimited, for uninsured drugs (medically prescribed drugs not covered under basic insurance) |
Same as Vital Basic |
Same as Vital Basic | |
Medical aids as per list of aids and devices |
90%, up to CHF 1,000, (for amounts exceeding basic insurance and for additional medical aids as per list) |
Same as Vital Basic |
Same as Vital Basic | |
Vision aids: CHF 180 up to end of year in which insured turns 18 |
100%, up to CHF 300 within 3 calendar years, incl. neighbouring countries |
Same as Vital Basic |
100%, up to CHF 600 within 3 calendar years | |
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50%, up to CHF 10,000, up to end of calendar year in which insured turns 20, incl. neighbouring countries |
50%, unlimited, up to end of calendar year in which insured turns 20, incl. neighbouring countries |
80%, unlimited, up to end of calendar year in which insured turns 20, incl. neighbouring countries | |
Preventive measures, e.g. well-child check-ups, gynaecological check-ups (every 3 calendar years), specific vaccinations |
80%, up to CHF 500, for vaccinations and vaccination advice, gynaecological check-ups |
80%, up to CHF 1,000, in addition to Vital Basic: medical check-ups, early detection of cancer |
80%, up to CHF 1,500, in addition to Vital Smart: self-tests, online mole checks, cataract prevention | |
Individual methods, e.g. acupuncture, anthroposophical medicine, medicines prescribed by traditional Chinese medicine (TCM), homoeopathy, phytotherapy, provided the treatment is administrated by a doctor (with a relevant qualification) |
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80%, either up to CHF 2,500 or CHF 5,000, of which up to max. CHF 250 or CHF 500 for massages |
80%, up to CHF 10,000, including up to max. CHF 750 for massages | |
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50%, either up to CHF 400 or CHF 600, including up to CHF 200 or CHF 300 each for exercise/fitness and additional measures, e.g. diet, mental balance |
80%, up to CHF 800, including up to CHF 400 each for exercise/fitness and additional measures, e.g. diet, mental balance | |
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80%, up to CHF 1,000, for non-medical psychotherapy, sterilisation, cosmetic procedures, podiatry |
80%, up to CHF 5,000, in addition to Vital Smart: digital therapies, genetic testing | |
Check-ups by doctors or midwives, CHF 150 for antenatal course, breastfeeding advice |
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80%, up to CHF 1,000, including antenatal course, postnatal exercise classes, baby and child first aid course |
80%, up to CHF 1,000, in addition to Vital Smart: up to CHF 1,000 daily benefits per birth/adoption | |
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80%, max. CHF 500 |
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.
* The scope of reimbursement for this benefit is based on the list maintained by Sanitas.
Downloads
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Product sheets
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Terms of insurance
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Lists
Frequently asked questions
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What is special about Vital Smart?
In this category of insurance, you can also choose the amount of costs Sanitas should cover for alternative medicine per calendar year: either CHF 2,500 or CHF 5,000. You can also decide whether Sanitas should contribute CHF 400 or CHF 600 towards health promotion per calendar year.
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Can I take out Vital supplementary outpatient insurance without a health check?
When you wish to take out supplementary insurance, you are usually obliged by all health insurers to answer questions about your state of health. On the basis of this information, we decide whether and under what conditions we will accept your insurance application. However, there are exceptions: for example, when registering a child before birth.
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What do I have to do to switch supplementary insurance?
Do not terminate your existing supplementary insurance until you have received confirmation from us that you have been accepted for the new insurance. Please also note the periods of notice. Supplementary insurance plans can normally be terminated to the end of September, but certain policies are valid for several years.
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Which category of insurance is most suitable for families?
Vital Premium includes important benefits for children in particular, such as for orthodontics. For parents, all of the insurance categories represent a good choice – depending on your individual requirements. Young parents, for example, benefit from antenatal and postnatal exercise classes, parent-child gymnastics or baby and child first aid courses.
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Is it possible to switch category of insurance?
Yes, that’s generally possible. If you want to switch to a higher category of insurance, e.g. from Basic to Smart, a health check is required. A health check is not required when switching to a lower category.
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