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SWICA PREMIUM – first-class insurance cover worldwide – in the event of illness or accident

The SWICA PREMIUM insurance package offers you complete insurance cover in every phase of life, both in Switzerland and abroad. You enjoy comprehensive protection and first-class service from a globally networked health partner.
SWICA PREMIUM provides the following benefits:
   

 
 Basic insurance

  • Outpatient medical treatment
  • Medicines in accordance with statutory list of medicines
   
FAVORIT model
   
           
 

 
 Supplementary insurance

  • Free choice of doctor for outpatient
    treatment worldwide 
  • Medication
  • Complementary medicine
  • Health and fitness
  • Checkups
  • Preventive and travel vaccinations
  • Glasses or contact lenses
  • Treatment abroad
  • Transport, rescue
  • Dental treatment and dental hygiene
  • Orthodontic work

 Extended cover in case of accident

  • Free choice of doctor and hospital
  • First-rate supplementary benefits

Health legal protection insurance

  • Support when facing legal issues
   

 
             COMPLETA TOP
COMPLETA PRAEVENTA
OPTIMA
  INFORTUNA medical expenses
Health legal protection

 
           
 

 
 Supplementary hospitalisation insurance

  • Free choice of hospital worldwide - BestMed
  • Free choice of the best hospital doctors
  • First-rate medical treatment and short waiting periods
  • First-class medical care
  • Private room with outstanding comfort and service
     
 HOSPITA PRIVATE WORLDWIDE
BestMed
 
           
 


 Additional advantages

  • BENEVITA bonus programme discounts
   
Bonus programme
 

 
 
 
 
 
 
 
 

 

The benefits provided by SWICA PREMIUM in detail

Outpatient treatment, conventional medicine            

Full cover for treatment by affiliated and non-affiliated doctors worldwide and other recognised medical experts (e.g. chiropractors or midwives)

Hospitalisation      

Full cover in the private ward of public and private hospitals worldwide


Medicines         

Full cover in line with statutory lists of medicines with doctor's prescription, medication prescribed by a doctor or naturopath including homeopathic, phytotherapeutic and anthroposophic preparations.


Complementary medicine            

Full cover for SWICA-recognised doctors and therapists


Promotion of health and fitness

50% up to CHF 800 per year and up to CHF 600 per preventive activity (e.g. fitness centres, nutritional advice, yoga, and numerous sport associations) in line with the list of SWICA-supported preventive healthcare activities and list of SWICA-supported sports associations             


Preventive medicine, checkups

Full cover for preventive healthcare measures under the statutory benefits regulations

One gynaecological checkup every three years under the statutory benefits regulations

+ 90% with no upper limit for medical checkups to identify illness at an early stage in line with the list of SWICA-supported preventive healthcare activities


Vaccinations

Full cover for vaccinations under the statutory benefits regulations

+ 90% with no upper limit for vaccinations in line with the list of SWICA-supported preventive healthcare activities


Glasses or contact lenses

CHF 480 per year up to the age of 18 for benefits under the statutory benefits regulations

90% up to CHF 500 every three years for individuals over the age of 18 with benefits outside the statutory benefits regulations


Treatment abroad

Full private cover for emergency or planned, outpatient and inpatient treatment worldwide             


Emergency transport/medically indicated transport, search and rescue operations

Switzerland: full cover for emergency transport and transfers, up to CHF 40'000 per year for search and rescue operations

Outside Switzerland: full cover for emergency transport and transfers; up to CHF 50'000 per year (in combination with basic insurance) for search and rescue operations; full cover for repatriation


Dental treatment and hygiene

Full cover in the event of dental accident (primary care)

50% up to CHF 100 per year for dental treatment and hygiene


Orthodontic work

50% up to CHF 10'000 per year up to age 25             


Home help

50% up to CHF 80 per day, max. 60 days per year

Home Attendant service


Home care

With a doctor's prescription, Spitex for investigation, consultation, treatment/basic care and nursing home in line with care assessment and statutory benefits regulations.

+ CHF 100 per day from supplementary insurance

Home Nanny service: CHF 100 per day, max. 60 days per year


Spa treatment

Up to CHF 170 per day, max. 30 days per year, medically indicated             


Convalescence cures

Up to CHF 100 per day, max. 30 days per year, medically indicated


Psychotherapy

Full cover for medical psychotherapy (no self-employed psychologists)

90% up to CHF 50 per session for the first 60 sessions per year with SWICA-recognised psychologists

CHF 25 per session for the second 60 sessions per year


Aids

Statutory list of aids and appliances (MiGel)

+ 90% up to CHF 500 per year for aids from MiGel or other aids


Accident risk

INFORTUNA medical expenses

100% cover after other supplementary insurance plans.
INFORTUNA MEDICAL EXPENSES is an ideal add-on product for basic accident insurance (e.g. under KVG or UVG). INFORTUNA offers the following advantages over accident cover under the HOSPITA hospitalisation insurance plans:

  • Reduced premiums depending on the level of HOSPITA cover chosen
  • Complementary medical benefits are included, even if they are not specifically mentioned in the Supplementary Conditions
  • Unlimited benefit period for all benefits
  • Entitlement to benefits for relapses, even if cover has lapsed in the interim
  • Inclusion of costs not covered by basic insurance for medically necessary hospital stays, regardless of the chosen sanatorium or ward (private room)
  • Inclusion of costs not covered by basic insurance for medically necessary stays at medical spas
  • Inclusion of costs not covered by basic insurance for care attendants
  • Inclusion of costs not covered by basic insurance for medical aids
  • Inclusion of costs not covered by basic insurance for transport and rescue; search and rescue operations up to CHF 20'000
  • Inclusion of costs not covered by basic insurance for home care and home help
  • Extensive benefits in the event of accident abroad and repatriation to Switzerland
  • Inclusion of costs not covered by basic insurance for damage to property (e.g. glasses)
  • No deductible

 

Cover

Full cover means we pay all costs over and above the legally required and/or agreed share of the costs. The payment of benefits is defined by the General Insurance Provisions and any additional conditions.

SWICA BENEVITA bonus programme

SWICA BENEVITA Joggen

Do you have both feet firmly on the ground and want comprehensive cover? Then SWICA is your strong healthcare partner with attractive insurance solutions.

The advantages of SWICA BENEVITA bonus programme

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