Your advantages with SWICA’s supplementary outpatient insurance

Supplementary outpatient insurance tops up the benefits provided by basic insurance with regard to outpatient treatment in particular. It covers additional costs for therapies, medications, alternative treatment methods, check-ups, preventive measures and visual aids that are not covered by basic insurance, or only covered to some extent.

Health insurance only pays for medications that have been prescribed by a doctor. In order for the costs to be covered by basic insurance, a medication must be included in the specialities list (SL) or have been manufactured on the basis of a prescription in accordance with the list of medicines with tariffs (ALT). The Federal Office of Public Health decides which medications qualify.

SWICA will also contribute towards the cost of medications under its Completa Top and Completa Forte supplementary outpatient insurance plans in the following cases:

• Homeopathic, phytotherapeutic and anthroposophic products prescribed by SWICA-recognised doctors and therapists
• Medically indicated medications (within the indication) that are not covered by basic insurance

In order for the costs of traditional Chinese medicine to be covered by basic insurance, the treatment must be administered by a qualified doctor. The doctor must also be a licensed practitioner of alternative treatment methods.

If this is not the case, outpatient insurance can plug the gap in basic insurance. SWICA will contribute towards the costs of complementary medical treatments under its Completa Top, Completa Forte and Optima supplementary insurance plans even if they are not carried out by a doctor. In this case, the treatment must be provided by a therapist who is recognised by SWICA.

Basic insurance will reimburse up to 180 francs per year for contact lenses and glasses up to the age of 18.

It is advisable to take out supplementary insurance for more comprehensive contributions. SWICA offers varying benefits of up to 1500 francs under its Completa Top, Completa Forte, Optima and Supplementa outpatient insurance plans.