SWICA Vivia: emergency transport and transfers, emergency treatment abroad
SWICA Vivia is an affordable way of extending your basic insurance. With Vivia, you’re well protected in Switzerland and abroad – for example if you need emergency transport or transfers, or emergency treatment when you’re abroad.
What you need to know
From 29 September 2026, it will also be possible to purchase SWICA Vivia through the premium calculator.
This plan is available to anyone over the age of 19, with the eligibility date being 1 January of the year in which the insured person turns 19. In all cases, the earliest date on which the insurance can commence is 1 January 2027.
SWICA Vivia is a good choice for you if:
You wish to extend your basic insurance at a reasonable price.
You want to be covered for the costs of emergency transport and transfers, and search and rescue operations.
Comprehensive cover in the event of emergencies abroad and round-the-clock personal assistance are important to you.
You would like contributions towards vaccinations, including for travel, and medicines.
You want protection against additional costs for newborns during the postnatal recovery period.
You want to be insured for hospital stays in the general ward of SWICA-approved hospitals anywhere in Switzerland.
Your benefits with SWICA Vivia
Vivia supplements the benefits provided under mandatory basic insurance to give you more comprehensive protection.
- Emergency transport and transfers: We help cover the costs of emergency transport and transfers in Switzerland and abroad, which means you have the best possible protection should the worst happen.
- Search and rescue operations: We help cover the costs of search and rescue operations in Switzerland and abroad – ensuring your safety even in unforeseen situations.
- Treatment abroad: Full cover for outpatient and inpatient emergency treatment in the private hospital category for the first three months of travel. Personal assistance abroad is there for you 24 hours a day, 365 days a year.
- Vaccinations, including for travel: We help cover the costs of vaccinations, including for travel, to ensure that you have the best possible protection when you’re away from home.
- Medicines: We help cover the costs of prescribed medicines and vaccinations.
- Maternity: We cover additional costs for newborns during the postnatal recovery period.
- Hospital stays: Full cover in the general ward of SWICA-recognised hospitals in Switzerland.
- Health legal protection: We offer worldwide legal protection for liability and insurance disputes in connection with impaired health.
The following table sets out all the benefits in full.
SWICA Vivia benefits in detail
Here you can see how the benefits of Vivia supplementary insurance optimise and add to the benefits provided by your basic insurance.
| Benefit | Benefits under basic insurance | Benefits under Vivia supplementary insurance |
|---|---|---|
| Medicines | As per statutory lists of medicines (for use within the indication ) with a doctor’s prescription | 50% up to CHF 200 francs |
| Hospitalisation | General ward in hospitals on the hospital list of the canton of residence or current location based on the rate valid for the canton of residence | Full cover in the general ward of SWICA-recognised hospitals in Switzerland (waiting period of 90 days). |
| Maternity | No co-payments for maternity benefits, in accordance with the Health Insurance Benefits Ordinance; no co-payments for treatment of illness from the 13th week of pregnancy up to and including the 8th week after birth | Additional costs for newborns during the postnatal recovery period (waiting period of 360 days). |
| Vaccinations, including for travel | Vaccinations as per the Health Insurance Benefits Ordinance | 90% up to CHF 200 per year |
| Emergency transport/ medically indicated transport, search and rescue operations | 50% up to CHF 500 for medically indicated transport; 50% up to CHF 5000 for emergency transport in Switzerland | - Emergency transport and transfers in Switzerland and abroad, 90% up to CHF 20 000 per year - Search and rescue operations in Switzerland up to 90%, up to CHF 20 000 per year and abroad 90% up to CHF 50 000 per year |
| Treatment abroad | In emergencies, the costs, up to max. twice the amount that would be reimbursed for treatment in Switzerland | - Full cover for outpatient and inpatient treatment in emergencies (private hospital category for the first three months of travel). - Personal assistance abroad is included – 24 hours a day, 365 days a year. |
| Health legal protection | _ | Legal protection for liability and insurance disputes in connection with impaired health in Europe (up to CHF 300 000 per case) and outside Europe (up to CHF 150 000 per case). |
Extending your SWICA Vivia supplementary insurance
SWICA offers a range of supplementary insurance plans that are ideal complements to the cover provided by Vivia.
Your advantages with SWICA
We are fully committed to supporting you with comprehensive insurance products and valuable health services, as well as personal customer service around the clock.
