Insurance Terms and Conditions

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.

General Insurance Conditions

General Insurance Conditions establish the terms of a contract and, at the same time, govern the content of the contract.

  • 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: Sanitas

  • 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

  • Supplementary insurance Wincare (closed)

    • General terms of insurance: Wincare
    • Supplement to the Wincare terms of insurance

  • Health and accident insurance for individuals (closed)

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

  • Closed SCPC package solutions

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

Supplementary Conditions

The Supplementary Conditions supplement the General Insurance Conditions. They set out the terms and conditions of our supplementary insurance policies.

  • Sanitas supplementary outpatient insurance plans

    • Vital supplementary terms
    • Jump supplementary terms
    • Family supplementary terms
    • Classic supplementary terms
    • Easy supplementary terms
    • Dental supplementary terms
    • Dental Basic supplementary terms
    • Planning a Family supplementary terms
    • Medical Private supplementary terms
    • Salary supplementary terms
    • Capital supplementary terms

  • Sanitas supplementary hospital insurance plans

    • Hospital Standard Liberty supplementary terms
    • Hospital Extra Liberty supplementary terms
    • Hospital Top Liberty supplementary terms
    • Hospital Upgrade supplementary terms
    • Hospital Day Comfort supplementary terms
    • Accident Extra Liberty supplementary terms
    • Accident Top Liberty supplementary terms
    • Hospital Standard supplementary terms
    • HirslandenCare supplementary terms
    • Hospital Comfort supplementary terms
    • Hospital Comfort Liberty supplementary terms
    • Hospital Private supplementary terms
    • Hospital Private Liberty supplementary terms

  • Legal insurance for patients

    • Supplementary terms: Legal insurance for Swiss Life customers

  • Sanitas Corporate Private Care supplementary insurance plans

    • Corporate Alternative Care supplementary terms
    • Corporate Preventive Care supplementary terms
    • Corporate Hospital Standard supplementary terms
    • Corporate Hospital Extra supplementary terms
    • Corporate Hospital Top supplementary terms
    • Corporate Accident supplementary terms
    • Corporate Medical Private supplementary terms
    • Dental supplementary terms
    • Dental Basic supplementary terms
    • Planning a Family supplementary terms
    • Salary supplementary terms
    • Risk factsheet
    • Sanitas Assistance supplementary terms

  • Wincare supplementary insurance plans (closed)

    • Diversa Komfort supplementary terms
    • Natura Komfort supplementary terms
    • Hospital insurance supplementary terms
    • Daily hospital benefits insurance supplementary terms (only in German)
    • Daily benefits insurance supplementary terms
    • Dental supplementary terms
    • Capital supplementary terms
    • Supplement to the terms of insurance
    • Diversa Komfort: Addition to the supplementary terms

  • Sanitas Corporate Private Care insurance packages (closed)

    • Basic s-care supplementary terms
    • Basic p-care supplementary terms
    • Comfort s-care supplementary terms
    • Comfort p-care supplementary terms
    • Comfort h-care supplementary terms
    • Comfort p-care Hirslanden supplementary terms
    • Private p-care supplementary terms
    • Private h-care supplementary terms
    • Private p-care Hirslanden supplementary terms
    • Private s-care supplementary terms
    • Royal p-care supplementary terms
    • Royal p-care Hirslanden supplementary terms
    • Royal h-care supplementary terms
    • Royal s-care supplementary terms
    • Medical Private supplementary terms
    • Medical Private Hirslanden supplementary terms
    • Accident supplementary terms
    • Accident Hirslanden supplementary terms
    • Sanitas Assistance supplementary terms

Further terms and conditions are available on request.