Completa Top could suit you if…
you would like to combine conventional medicine and alternative treatments.
you want to pay less out of your own pocket for glasses, contact lenses and dental treatment.
you would like to be well-covered even in an emergency or when abroad.
you would like to extend the protection offered under your basic insurance in a meaningful way.
Smart savings with a combination of SWICA basic and supplementary insurance
SWICA is the only health insurer that offsets the cost-sharing from its basic insurance against the cost-sharing of its SWICA supplementary insurance plans. As a result, the maximum annual out-of-pocket contribution is generally lower than with other health insurers. Learn more.
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What SWICA Completa Top offers you
Completa Top fills in the gaps left by mandatory basic insurance. Whether for complementary medicine, contact lenses or repatriation costs, enjoy comprehensive financial protection. Find out which benefits are included with Completa Top.
- Your complementary therapies such as osteopathy: We pay up to 80 francs per hour for approved complementary therapies such as osteopathy or kinesiology, provided the treatment is carried out by a SWICA-recognised doctor or therapist.
- Your glasses or contact lenses: We cover 90% of the costs – up to a maximum of 200 francs every three calendar years.
- Your medicines: We cover in full the costs of medicines prescribed by a doctor, including natural remedies.
- Your dental treatment: We contribute 50% (up to a maximum of 100 francs per calendar year) towards dental hygiene and 50% (up to a maximum of 10 000 francs per calendar year and up to the age of 25) towards orthodontic treatment such as braces. Other dental treatments are also included, making your costs significantly lower.
These are just a few examples. The full benefits can be found here:
All benefits in detail
Here you can see how Completa Top complements basic insurance – and where you benefit from higher contributions.
Benefit | Basic insurance (Standard and Favorit models) | Completa Top (ultimate determinant of benefits: the product’s specific Supplementary Conditions) |
|---|---|---|
| Medicines | As per statutory lists of medicines (for use within the indication) with a doctor’s prescription Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | - Plus homeopathic, phytotherapeutic and anthroposophic preparations prescribed by SWICA-recognised doctors and therapists Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. - Plus medically indicated medication (within the indication) that is not covered by basic insurance Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Complementary medicine | Anthroposophic medicine, acupuncture, TCM pharmacotherapy, homeopathy and phytotherapy: costs covered based on the rate of the canton of residence for doctors (directory of therapists) certified (FMH) in the relevant discipline Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Up to CHF 80 per hour for SWICA-recognised doctors and therapists Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Maternity | - No co-payments for maternity benefits, in accordance with the Health Care Benefits Ordinance - No co-payments for treatment of illness from the 13th week of pregnancy up to and including the 8th week after the birth | Plus breastfeeding benefit of CHF 200 per child |
| Home help | Not covered | 50% up to CHF 30/day, contribution up to max. 60 days |
| Medical spa treatments | CHF 10/day, 21 days per year Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Plus CHF 30/day, max. 30 days per year |
| Convalescence cures | Not covered | CHF 20/day, max. 30 days per year |
| Psychotherapy | Psychotherapy with a specialist; psychological psychotherapy prescribed by a doctor Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 90% up to CHF 50 per session, max. 60 sessions per year with SWICA-recognised psychotherapists |
| Glasses/contact lenses | CHF 180 per year up to the age of 18 (under the provisions of the Health Care Benefits Ordinance) Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 90% of opticians’ bills, up to CHF 200 every three years, cannot be combined with benefits under basic insurance |
| Medically prescribed aids | Statutory list of aids and appliances Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 90% up to CHF 200 per year, as per separate list |
| Emergency transport and medically indicated transport, search and rescue operations | - 50% up to CHF 500 for medically indicated transport Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. - 50% up to CHF 5000 for emergency transport in Switzerland Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | - Emergency transport/transfers together with basic insurance (Switzerland): 90% up to CHF 20 000 per year - Search and rescue operations (Switzerland): up to CHF 20 000 per year - Search and rescue operations and emergency transport (abroad): up to CHF 50 000 per year |
| Repatriation | Full cover | |
| Treatment abroad | Costs covered in emergencies up to double the rate based on the recognised rate for Switzerland or as per bilateral agreement with EU and EFTA countries Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Full cover for outpatient and inpatient treatment in emergencies (private hospital category for the first three months abroad) Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Dental treatment | In the case of serious illnesses of the masticatory system or if the treatment is related to a very serious general illness. Cover in the event of a dental accident, if accident cover is in place. Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 50% up to CHF 100 per year |
| Orthodontics | Under certain legal conditions Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 50% up to CHF 10 000 per year as per UVG rate up to age 25 |
Co-payments in Completa Top or Completa Forte:
Under the General Insurance Conditions (GIC) and Supplementary Conditions (SC), adult customers can choose between no excess and an excess of 600 francs. No excess is applied for children below the age of 18. All insured persons are subject to a deductible of 10% (max. 700 francs for adults and 350 francs for children). Any co-payments already made under mandatory healthcare insurance are taken into account (see “SWICA advantage”).
Co-payments with Completa Top in a nutshell
With SWICA Completa Top, you have a choice between two options:
- no excess
- or an excess of 600 francs
A deductible of 10% also applies:
- a maximum of 700 francs per year for adults
- a maximum of 350 francs per year for children
Please note:
- There is no excess for children under the age of 18.
- The chosen excess applies per calendar year.
- If you choose the excess of 600 francs, your premiums will be up to 20% lower.
- The excess only applies to benefits relating to complementary medicine, medicines and services abroad.
Completa Top – your advantages
Completa Top supplementary insurance gives you access to additional benefits and powerful services.
Equal consideration of conventional and complementary medicine
Attractive advantages with the Benevita bonus programme
Multiple awards for customer satisfaction in Switzerland
Extended illness and accident benefits
Still unsure? Request a personal consultation.
Frequently asked questions about SWICA Completa Top
Would you like to know what makes Completa Top better than other supplementary insurance policies, or how co-payments and deductibles work? You’ll find all the key information here.
