OPTIMA – the comprehensive addition for higher demands

OPTIMA supplementary insurance offers worldwide private cover with special extras designed for those with higher demands. It offers additional benefits above and beyond those provided by SWICA’s mandatory healthcare insurance and the supplementary COMPLETA TOP and COMPLETA PRAEVENTA plans.

Key benefits at a glance

OPTIMA is available only in combination with COMPLETA TOP and can be extend further with benefits from COMPLETA PRAEVENTA supplementary insurance.

Vision aids
Up to 500 francs for glasses and contact lenses every three calendar years*
Health promotion and preventive healthcare
Up to CHF 800 for exercise, nutrition and wellbeing per calendar year (supplementary to COMPLETA PRAEVENTA)*
Treatment abroad
Full cover for conventional outpatient treatment at the private rate – worldwide (supplementary to COMPLETA TOP)*
Complementary medicine
Full cover in addition to COMPLETA TOP for outpatient complementary medical treatment*
Medical check-ups for early diagnosis of illnesses
90% of the costs for preventive medical check-ups (supplementary to COMPLETA PRAEVENTA)*

Free advantages for all SWICA customers

All SWICA customers enjoy the following services free of charge:

Exclusive SWICA services under the supplementary insurance plans

SWICA offers you the right insurance cover in every life situation. SWICA customers who take out supplementary insurance can benefit from numerous advantages, depending on their plan:


Thanks to its premium offering, SWICA ensures prompt and preferential access to outstanding treatment and works with an extensive network of specialists to provide the best outcomes for its customers. With santé24, SWICA customers also enjoy free telemedicine services.

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Second opinion (from santé24, free of charge for all SWICA customers. In addition, the meinezweitmeinung.ch service is available free of charge to customers with HOSPITA and INFORTUNA cover).

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Reduced price for the innovative TytoHome telemedicine device with OPTIMA and COMPLETA TOP. Free discussion of examination results with santé24 for all SWICA customers.

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SWICA believes that conventional medicine and complementary medicine can be combined to good effect. Anything that benefits your health is positive. That’s why SWICA supports alternative therapy methods and puts them on an equal footing. Participation in complementary medicine treatment with COMPLETA TOP and OPTIMA.

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We assist you in adopting a healthy lifestyle and reward you for doing so. Collect points with the BENEVITA app, learn about health topics, enjoy attractive offers, and benefit from discounts of up to 15% on the COMPLETA TOP and HOSPITA supplementary insurance plans.

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Home Nanny provides personal care for your child in the event of illness or accident. The service is also ideal for parents who are ill or have had an accident and are temporarily unable to look after their child. You will enjoy a lower hourly rate if you and your child have purchased a HOSPITA supplementary hospitalisation insurance plan or an INFORTUNA accident insurance plan with medical expenses cover. Depending on your insurance cover, SWICA will also help out with the costs.

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Home Attendant service – reliable care for your home while you're in hospital or at a medical spa. All SWICA customers enjoy a reduced hourly rate. If you have purchased a HOSPITA supplementary hospitalisation insurance plan and an INFORTUNA accident insurance plan with medical expenses cover, you will also get a refund on the Home Attendant service in accordance with your cover. Your adviser would be happy to provide you with more information.

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SWICA rewards personal fitness and health promotion activities in the areas of exercise, nutrition, relaxation and wellbeing (e.g. fitness, sports associations, dance classes, nutritional advice, spas and saunas) with attractive contributions of up to 800 francs per year (PRAEVENTA and OPTIMA).

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Whether it's about preventing falls, dealing with sleep problems or living with diabetes, your life will be safer and easier if you get the right support.

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Premium calculator and online purchase

It’s never been easier to change your insurer. The premium calculator enters into dialogue with you and reacts to your requirements, quickly producing a personal offer for first-class insurance cover. The premium calculator automatically suggests the most suitable insurance package. You can afterwards adapt your choice as you wish. Give it a try now.

Personal consultation

Would you like more information or a personal consultation? SWICA Client Services would be happy to assist. Call us on 0800 80 90 80 or send us a message using the contact form below.

Request a personal consultation

What our customers have to say.

Loris Hausammann
«I do a lot of sport in my spare time, so it’s important to me to have an insurance partner which supports me financially on that front. The range of services provided by SWICA is transparent and easy to understand, which suits me very well. I also like SWICA’s friendly professional staff and the easy-to-use invoice app.»
Vivienne Audemars
«I’ve been a loyal and proud SWICA customer for several years now. Thanks to SWICA’s ideal supplementary insurance plan I had the opportunity following a snowboard accident to recover thanks to fitness centres, physiotherapy and massage centres. This has enabled me to get back to my passion – dancing.»
Mattia Baldi
«My family and I trust in SWICA. I was a professional ice hockey player for 14 years and accidents were the order of the day. Our medical team always looked after us extremely well. After my sports career ended, I decided that I wanted the same care and security for my family and myself. With SWICA I’ve found the ideal partner for my family.»
Daniela Wilhelm
«SWICA has been able to provide professional assistance to me and my family, regardless of the subject area. The adviser is so friendly that he’s almost become part of the family. SWICA offers a check-up which my husband decided to take advantage of. Although he doesn’t like doctors, he was really delighted with it.»