General terms

of insurance

General terms of insurance

General terms of insurance specify the agreements within a contract and determine the contents of the contract. All general terms of insurance are available to download or print out as a PDF.

  • Basic insurance

    • General terms of insurance: Sanitas basic insurance plans
    • General terms of insurance: Voluntary daily benefits insurance
    • Salary KVG general terms of insurance (only in German)

  • Supplementary insurance

    • Overview of supplementary insurance (customer information as per Art. 3 VVG/IPA)
    • General terms of insurance: supplementary insurance
    • General terms of insurance: Wincare
    • Supplement to the Wincare terms of insurance

  • Health and accident insurance for individuals

    • General terms of insurance: Health and accident insurance for individuals
    • Supplement to the terms of insurance

  • Sanitas Corporate Private Care (SCPC)

    • Information for the insureds of Sanitas Corporate Private Care
    • General terms of insurance: s-care
    • General terms of insurance: p-care
    • General terms of insurance: Risk
    • General terms of insurance for all supplementary insurance plans

  • Closed SCPC package solutions

    • General terms of insurance: s-care / h-care
    • General terms of insurance: p-care / p-care Hirslanden