Supplementary outpatient insurance as a complement to basic insurance

Your health insurer will only pay for medicines that have been prescribed by a doctor. For the costs to be covered under basic insurance, a medicine must be included in the special medicines list or produced using a prescribed formulation in accordance with the medicines list with tariff. The Federal Office of Public Health decides which medicines are included in the lists.

Under the COMPLETA TOP and COMPLETA FORTE supplementary outpatient insurance plans, SWICA also contributes towards the costs of medicines in the following cases:

• Homeopathic, phytotherapeutic and anthroposophic preparations prescribed by a SWICA-recognised doctor or therapist
• Medically indicated products (when used for the given indication), if not covered by basic insurance

The costs of traditional Chinese medicine will be covered provided that the treatment is administered by a qualified doctor. They must also be certified in the use of alternative methods.

If this is not the case, outpatient insurance can plug the gaps in basic insurance. Under the COMPLETA TOP, COMPLETA FORTE and OPTIMA supplementary insurance plans, SWICA contributes to the costs of complementary medical treatment. The treatment must be administered by a SWICA-recognised therapist.

Under basic insurance, SWICA will pay CHF 180 annually up to the age of 18. The Federal Health Insurance Act makes no provision for any contributions towards adult glasses.

If comprehensive benefits are required, it is advisable to take out supplementary insurance that includes contributions towards glasses and contact lenses. SWICA offers comprehensive contributions under the COMPLETA TOP, COMPLETA FORTE, OPTIMA and SUPPLEMENTA outpatient insurance plans.

Under basic insurance, SWICA will pay CHF 180 annually towards the costs of contact lenses and children’s glasses up to the age of 18. Higher contributions are only paid in the event of very severe sight defects or of illness.

If more comprehensive contributions are required, it is advisable to take out supplementary insurance. SWICA’s COMPLETA TOP, COMPLETA FORTE, OPTIMA and SUPPLEMENTA outpatient insurance plans offer different levels of benefits.

Under basic insurance, SWICA pays CHF 180 annually towards the costs of contact lenses and glasses up to the age of 18. It is advisable to consider taking out outpatient insurance for children and adults. SWICA provides generous contributions towards the costs of contact lenses and glasses under the COMPLETA TOP, COMPLETA FORTE, OPTIMA and SUPPLEMENTA plans.