The different elements of supplementary insurance
Some medical bills are not covered by basic insurance, which is why it is heavily recommended to take out additional insurance. Also, a little parenthesis, know that you have the option to sign up for a prenatal insurance for your future baby. This means that there is no need to fill out a medical questionnaire, as the baby has not yet arrived. Therefore, the insurer will accept the insurance proposal unreservedly and your baby will be covered, regardless of his or her state of health at birth.
In terms of additional insurance, you can choose to do soa global supplement with hospitalization, dentistry, eyewear, natural medicine, treatments and baths, fitness or make choices to make sure you meet your needs as closely as possible.
As for hospitalization, it can be a significant part of your medical bills. Indeed, hospitalization can be very expensive, especially if you decide to be hospitalized in a semi-private or private. Basic insurance covers hospital costs, but only in the general ward of a listed hospital, in your canton of residence, except in emergencies. In the general ward, this means there can be more than one per room, which can be annoying, uncomfortable, and sometimes not even conducive to good recovery. With a complementary semi-private hospitalization, you can stay in a room with 2 beds, while in private you will only have one room. Another advantage is that you can decide, at your convenience, in which establishment you want to be treated, in your canton or outside your canton.
For more information, read the article from one of our partners: “Why resort to additional hospitalization?“
Dental care and glasses
As for dental care, you have the option to benefit from coverage, either throughfull supplementary insurance for outpatient care or by taking out additional dental insurance. Dental care is not covered by the KVG in most cases. AOS only supports them if they are dental expenses following a serious illness or injury.
Subscribing to a dental supplement allows you to overcome this insufficiency of the base and thus allow you to take charge of your current dental care. As for glasses and contact lenses, the AOS only charges a flat fee CHF 180, – per calendar yearbut only for children under 18. Most of the complementaries offer you different packages for periods of 3 or 5 years.
Another important point is medical expenses abroad. In the event of hospitalization, for example, your base reimburses you at most, the Double how much he would have reimbursed if you had been hospitalized in Switzerland, in your canton of residence. For some countries this may be enough, but for others it may be necessary to put a lot of money out of your pocket. The United States, Canada and Japan are among the countries in which the cost of hospitalizations it is the tallest in the world. Supplementary insurance allows you to increase this reimbursement ceiling, so you can leave with peace of mind.
Today more and more use is made of so-called “alternative” drugs. It is also in this sense that basic health insurance includes some specialties, such as eg Traditional Chinese Medicine, acupuncture, homeopathy, herbal medicine, anthroposophic medicine and neurotherapy. Osteopathy, kinesiologyetiopathy, hydrotherapy, Ayurvedic massage or naturopathy are among the many specialties of alternative medicine. With a supplementary natural medicine insurance you can benefit from support on an extended list of specialties.
All of these specific treatments can be covered by complementary health insurance, as well as off-list medications, fitness, psychotherapy, or even complementary ultrasounds during pregnancy. Don’t wait any longer to ask our consultants for advice!