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Basic insurance is mandatory for all residents of Switzerland and ensures that everyone has access to basic medical care relating to illnesses, accidents and maternity.

Supplementary insurance, on the other hand, is voluntary and provides benefits that basic insurance (mandatory cover) does not cover or only partially covers. When it comes to complementary medical care, fitness, vaccinations, dental treatment and glasses, among other things, supplementary insurance from SWICA not only enables you to extend your cover to suit your needs but also makes you eligible for attractive contributions towards health promotion and prevention measures. 

There is a basic distinction between two categories of supplementary insurance: Supplementary outpatient health insurance and supplementary hospitalisation insurance.

A hospitalisation policy provides supplementary cover that, depending on the plan, offers you more choice in the hospital or the doctor who treats you and provides additional comfort and preferential access to top-quality medicine.

As basic insurance is mandatory in Switzerland, every resident must have such a policy and insurers are obligated to accept anyone who applies for basic cover.

Unlike in the case of basic insurance, health insurers can choose who to accept into the supplementary insurance. In order to be accepted for supplementary insurance, prospective insured persons must complete a health questionnaire. This makes it possible for the health insurer to decide whether to accept, reject, or accept conditionally an application for supplementary cover (e.g. as in the case of pre-existing conditions). Important: Do not terminate your contract with a previous insurer until you have received confirmation of acceptance from the new insurer.

No. In principle you can have basic and supplementary cover from different health insurers. However, there are advantages to combining both types with SWICA.

SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, which means the annual co-payments will be much lower when compared to other health insurers.

Basic healthcare insurance includes benefits as laid out in the Federal Health Insurance Act (KVG). Accordingly, all health insurers in Switzerland must offer the same basic insurance benefits.

The benefits for supplementary insurance are subject to the Federal Insurance Contract Act (VVG), which prescribes only the basic aspects of the cover but not the individual benefits. Therefore, benefits will vary from insurer to insurer.

Yes, provided you are registered with the unemployment insurance fund. In this case you are insured with SUVA against occupational and non-occupational accidents. If this is not the case, you must contact your SWICA customer service for a personal consultation.

Employees who work more than eight hours a week for one employer are mandatorily insured against occupational and non-occupational accidents through that employer. If you work less than eight hours a week, you can request accident cover from SWICA by contacting your customer service or using the online form.