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SWICA Krankenversicherung Vorteile


The SWICA Healthcare Organisation

SWICA in brief
SWICA is one of the leading health and accident insurers in Switzerland with around 1.4 million insured persons and 27'300 corporate clients.

SWICA offers its clients long-term financial security and optimum medical care in the event of illness, accident and maternity.

SWICA is the only healthcare organisation with an integrated service chain for all questions relating to your health – from medical care through expert support for victims of an illness or accident, all the way to health promotion in companies.
     
  SWICA's philosophy – we focus on the health of the individual.
We see ourselves as a healthcare organisation, not just as an insurer. We provide comprehensive insurance cover and are committed to helping our customers stay healthy, get healthy and live with a disability.
 
     

We provide insurance for private individuals and corporate clients

SWICA is one of Switzerland's leading health and accident insurers. We offer comprehensive cover for medical expenses and loss of earnings due to illness and accident. In basic insurance, private customers can choose between the standard model as defined in law, a range of alternative insurance models, and variable personal excesses. The basic insurance offering can be combined with needs-oriented supplementary insurance plans. Appropriate hospitalisation cover is also available for every life situation. Corporate clients can take out daily benefits and accident insurance with SWICA. The common feature of all SWICA’s offerings and services is that we deliver them with above-average service quality.

Stay healthy: We provide motivation

As a healthcare organisation, our focus is on the individual, not on an illness or accident. Our objective is the health of our customers – because health is everything. The more responsibility you take for your own health, the lower your premiums. We encourage our customers to invest regularly in their health and fitness and contribute up to 800 francs per year under the supplementary insurance plans towards relevant activities.

As pioneers in illness prevention and health promotion we also offer the BENEVITA health platform. It makes a contribution towards raising health awareness. Customers who sign up for this integrated bonus programme collect bonus points by undertaking health-promoting activities. This in turn entitles them to a premium discount on some supplementary insurance plans.

In order to raise health awareness among the employees of our corporate clients, we advise and support companies in establishing or expanding professional occupational health management systems and in planning and implementing effective measures to promote health in the workplace. We also offer our corporate clients group contracts so that their employees can enjoy SWICA’s comprehensive offering and high service quality on favourable terms for their private health insurance.

The sante24 health advice helpline is also involved in delivering preventive healthcare and customer support. Doctors and medical staff provide advice around the clock – about appropriate medical checkups, for example. Checkups can be carried out at Medbase Medical Centers or SWICA partner practices.

Get healthy: We offer support

Individuals who have been ill or who have been injured in an accident can make use of both conventional and complementary medicine. SWICA has always been in favour of finding the best possible combination of these two approaches. Individuals undergoing examinations and medical procedures must be confident that their treatment is based on a sustainable all-round approach to healthcare. We are convinced that treatment quality improves when a patient's therapy is properly coordinated, and we know from experience that this leads to cost savings (e.g. by cutting out duplicate examinations).

The Medbase Medical Centers and SWICA partner practices are an important, high-quality element of SWICA’s all-round offering. They provide our customers with access to this network of doctors and therapists. These conveniently located centres and practices work closely together with general practitioners and specialists.

Corporate client employees who fall ill or suffer an accident also receive intensive support in that they can rely on the services of a care manager during their recovery and return to work.

Living well with a disability: a realistic possibility

Illnesses and accidents can mean that not everything will be all right again – ever again. For people in these situations, more than for others, health becomes a lifelong task. We provide them with advice and practical support so that they can live as self-determined a life as possible, e.g. with our integrated care programmes. We integrate telemedicine, online coaching programmes, pharmacies, GP practices and specialist physicians to deliver professional care with the minimum of stress. For people with a disability who may need regular medical care, it is all the more important that we offer them medical care which is optimally adapted to their situation.

We create space for solidarity

By encouraging people to adopt healthy lifestyles, ensuring that sick and injured people make a rapid recovery and helping people with disabilities to achieve the best possible quality of life, we create space for solidarity between the healthy and the sick, between women and men, and between young and old.

We also create this space by focusing our actions on effectiveness and efficiency in order to keep administrative costs as low as possible – by managing our assets responsibly, making investments that make us even better, entering into helpful collaborations, digitizing processes that do not need human intervention, and continually enhancing the knowledge and professionalism of our employees. In this way, we contribute towards the overall success of the Swiss healthcare system and towards reducing its costs.
   
  History – 25 years of SWICA
   

Milestones in the history of the SWICA Healthcare Organisation:

 

1992 Merger of four health insurers to form the SWICA Healthcare Organisation:
  • OSKA, Eastern Switzerland health insurance fund; founded in 1870, based in St. Gallen
  • ZOKU Swiss health and accident insurance fund, founded in 1922, based in Zurich
  • SBKK, Swiss occupational health insurance fund, founded in 1943, based in Winterthur
  • Panorama health insurance fund, founded in 1989, based in Winterthur

1994
Establishment of 15 health centres throughout Switzerland and promotion of primary care models

1996
SWICA launches comprehensive insurance offering for businesses (daily sickness benefits and accident insurance)

1998
Establishment of professional SWICA Care Management

2000
GLOBAL CARE, the insurance offering for Swiss citizens living abroad permanently or for a substantial period, is launched.

2005
SWICA reaches the milestone of 1 million insured persons.

2008
The sante24 health advice helpline is introduced.

2009
SWICA continues to develop its health centres and strengthens its basic care offering through agreements with medical and partner practices.

2012
SWICA’s health centres become independent companies under the name of santémed Health Centres Ltd.

2013 The cooperation between SWICA and PROVITA is strengthened: PROVITA is integrated into SWICA Group.

2015 A 70% stake in santémed is sold to Migros subsidiary Medbase to enable more rapid expansion of the health centres.
   
  Campaign: SWICA – Because health is everything
   

Idea

What does health mean to you? In asking this question we focus our attention on the individual and address his or her personal health needs directly. The current SWICA campaign highlights these needs by portraying a range of carefree life-affirming moments from everyday life.

No matter which life situations our customers find themselves in, SWICA is always there for them – offering individual preventive healthcare, first-class service, and outstanding quality in the event of illness or accident. This means that they can get on with enjoying the good things in life.

SWICA – Because health is everything
to the SWICA commercial

SWICA Zusatzversicherung

Vater mit Baby

SWICA Wellnessen mit Aussicht