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.

    • General terms of insurance for all basic insurance plans (valid until 31 December 2026)
    • General terms of insurance for all basic insurance plans (valid from 1 January 2027)
    • General terms of insurance: Voluntary daily benefits insurance
    • Salary KVG general terms of insurance (only in German)
    • Important provisions of the KVG

    • Overview of supplementary insurance (customer information as per Art. 3 VVG/IPA)
    • General terms of insurance for all supplementary insurance plans (valid until 31 December 2026)
    • General terms of insurance for all supplementary insurance plans (valid from 1 January 2027)

    • Information for the insureds of Sanitas Corporate Private Care
    • General terms of insurance: s-care (valid until 31 December 2026)
    • General terms of insurance: s-care (valid from 1 January 2027)
    • General terms of insurance: p-care (valid until 31 December 2026)
    • General terms of insurance: p-care (valid from 1 January 2027)
    • General terms of insurance: Risk

    • General terms of insurance: Health and accident insurance for individuals 1997
    • Supplement to the terms of insurance (valid until 31 December 2026)
    • Supplement to the terms of insurance (valid from 1 January 2027)

    • General terms of insurance: Wincare
    • Supplement to the terms of insurance (valid until 31 December 2026)
    • Supplement to the terms of insurance (valid from 1 January 2027)

    • General terms of insurance
    • Supplement to the terms of insurance (valid until 31 December 2026)
    • Supplement to the terms of insurance (valid from 1 January 2027)

    • General terms of insurance: s-care / h-care
    • General terms of insurance: p-care / p-care Hirslanden
    • Supplement to the terms of insurance (valid until 31 December 2026)
    • Supplement to the terms of insurance (valid from 1 January 2027)

Supplementary Conditions

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

    • Vital 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
    • Jump supplementary terms (closed)
    • Family supplementary terms (closed)
    • Classic supplementary terms (closed)

    • 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 (closed)
    • HirslandenCare supplementary terms (closed)
    • Hospital Comfort supplementary terms (closed)
    • Hospital Comfort Liberty supplementary terms (closed)
    • Hospital Private supplementary terms (closed)
    • Hospital Private Liberty supplementary terms (closed)

    • 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

    • Carefree package terms (valid from 1 January 2027)
    • Carefree – Discounts and Supplementary Insurance Plans (valid from 1 January 2027)
    • Carefree – Additional Benefits (valid from 1 January 2027)
    • List of Carefree supplementary insurance plans (valid until 31.12.2026)
    • List of Carefree supplementary insurance plans (valid until 31.12.2026)
    • Supplementary terms of legal insurance for patients: Carefree package (valid from 1 January 2027)
    • Supplementary terms: Legal insurance for Swiss Life customers (valid until 31.12.2026)
    • Supplementary terms: Legal insurance for Swiss Life Select customers (valid until 31.12.2026)

    • 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 (valid until 31 December 2026)
    • Supplement to the terms of insurance (valid from 1 January 2027)
    • Diversa Komfort: Addition to the supplementary terms

    • 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.