Additional Insurance

What is the additional insurance?

The supplementary insurance (VVG) of a health insurance is a voluntary insurance. The supplementary insurance covers the additional medical care that the basic insurance (KVG) does not or partially covers. Many Swiss take the supplementary insurance option to get better medical care.

What is the purpose of supplementary insurance?

The purpose of supplementary insurance (VVG) is to improve medical care. With supplementary insurance, insured persons have access to a wider range of medical services and treatments. There are many medical services that are not covered by compulsory basic insurance (KVG). It is therefore advisable to take out supplementary insurance to cover the gaps in basic insurance (KVG).

What does supplemental insurance cover?

Supplemental insurance covers a variety of additional medical services and treatments. The exact benefits and coverage may vary depending on the type of supplementary insurance. Here are eight benefits that you can cover with supplementary insurance.

1. Hospital Insurance:

   Hospital insurance is the type of accommodation in a hospital. With hospital insurance, the insured have the right to semi-private or private accommodation. Semi-private placement means that the patient shares a room with another patient. This is a twin room. A private one, on the other hand, is even a single room that offers more privacy and comfort. Private rooms are more expensive than semi-private rooms. Supplementary insurance is mandatory for both options because the basic insurance (KVG) does not cover the costs.

2. Medication:

   The basic insurance (KVG) only covers the costs for medication that is covered by health insurance. The supplementary insurance (VVG), on the other hand, also covers the costs for medicines that are not subject to statutory health insurance. Special drugs such as cancer drugs or drugs to treat rare diseases are only covered with supplementary insurance. The other services are alternative medical therapies, the associated medication and vaccinations against travel sickness.

3. Dental Insurance:

   A dental insurance (VVG) has a wide range of dental benefits. Additional dental insurance protects you against high dental costs. The most important dental treatments are tooth checks, tooth fillings for caries, root canal treatments, dental hygiene and for the extraction of wisdom teeth. The benefits are not covered by basic insurance (KVG). It is therefore advisable to take out additional dental insurance for the additional services and costs.

4. Travel Insurance:

   A travel insurance is an additional insurance (VVG) for emergencies and accidents abroad. Such travel insurance makes sense for a short or long-term trip abroad, since the compulsory basic insurance (KVG) only offers limited protection abroad. The most important services abroad are treatment, hospital stays, ambulance transport, medicines, emergency dental treatment and return transport to Switzerland (repatriation).

5. Glasses and contact lenses:

   Supplementary insurance (VVG) for glasses and contact lenses covers different benefits depending on the type of supplementary insurance. Some benefits of the supplementary insurance are reimbursement of costs for glasses, glasses frames, contact lenses and refractive surgery. Compulsory basic insurance (KVG) covers glasses and contact lenses for 180 francs per year for children and young people up to the age of 18. It is therefore advisable to take out additional insurance for glasses and contact lenses.

6. Transport and rescue:

   Supplementary insurance (VVG) covers the costs of transport to a clinic or hospital in the event of medical necessity. The basic insurance (KVG), on the other hand, covers up to 50% of up to 500 francs for transport and 50% up to 5000 francs for rescues (excluding return transport, search and rescue operations). Supplementary insurance to cover the gaps in basic insurance is also very important in this case.

7. Maternity / Pregnancy:

   Basic insurance (KVG) legally covers two ultrasound examinations during pregnancy. Additional insurance (VVG) covers further ultrasound examinations. Other benefits of supplementary insurance are alternative medical healing methods, domestic help for the time after the birth, postnatal courses, breastfeeding allowance, prenatal tests or examinations, free choice of doctor in the hospital, occupancy of a 1- or 2-bed room, birth in a private birth center, choice of hospital, etc.

8. Fitness/Health Promotion:

   An additional insurance (VVG) of the health insurance companies contribute to the fitness costs. Depending on the additional insurance, the health insurance companies will cover CHF 100 to CHF 1,000 per year for your fitness subscription. Basic insurance (KVG), on the other hand, does not cover your subscription. It is advisable for athletes to take out additional insurance.

Are there any special requirements for admission to Swiss supplementary insurance?

The most important requirements for supplementary insurance (VVG) are place of residence, age and state of health. A health declaration must be submitted to apply for supplementary insurance. Therefore, it makes sense to take out supplementary insurance as early as possible when you are young and healthy, so that the health insurance companies will accept your application for supplementary insurance. Otherwise, the application may result in higher premiums or the exclusion of certain benefits. In contrast to basic insurance (KVG), supplementary insurance is voluntary and there is no obligation to take out.

Is additional insurance worth it?

Supplementary insurance (VVG) is worthwhile for reducing medical costs in the long term. Many important benefits of supplementary insurance cover the gaps in basic insurance (KVG). Whether supplementary insurance is worthwhile depends on various factors, such as the individual needs and requirements for healthcare, the state of health and the financial situation.

Which are the best health insurance companies for supplementary insurance?

Other services from Checkall

Checkall offers other services related to supplementary insurance. Here are 3 other useful services from Checkall.

• Health insurance comparison:

  With Checkall's health insurance comparison, you can compare supplementary insurance and take it out directly online.

• Change health insurance:

  You can find all information about changing health insurance here.

• Health insurance premiums:

  Health insurance premiums are an important part of health insurance. Find out here how the health insurance premiums are created.

• Cancel supplementary insurance:

  After changing the supplementary insurance, you must cancel the current supplementary insurance. Our cancellation tool helps you to create the cancellation form for supplementary insurance.