Benefits included under basic insurance
With SWICA’s seven different Favorit basic insurance plans, you get the best value for money and can save up to several hundred francs a year. The only difference from the classic Standard basic insurance is the choice of your first point of contact. The scope of benefits remains the same.
| Basic insurance benefits Standard and Favorit models | |
|---|---|
| Outpatient treatment, conventional medicine | Treatment by contracting physician and other approved health professionals. Full cover (details co-payments Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) |
| Medicines | As per statutory lists of medicines with doctor’s prescription (for use within the indication Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) |
| Hospitalisation | General ward in hospitals of the canton of residence or current location based on the rate valid for the canton of residence 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 (SWICA therapist directory) certified (FMH) in the discipline Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Medical check-ups | Preventive measures under the provisions of the Health Insurance Benefits Ordinance, gynaecological check-up every 3 years 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. |
| Inoculation and travel vaccination | Vaccinations 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. |
| Home nursing care | Advice, treatment/basic care provided by recognised service providers Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| SPA treatment | CHF 10 per 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. |
| Psychotherapy | Psychotherapy with a specialist; medically prescribed psychological psychotherapy Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Glasses or 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.) |
| 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. |
| 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 5'000 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. |
| 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/EFTA countries Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. |
| Dental treatment costs, dental hygiene | 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 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. |
| 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. |
Discover all basic health insurance models
The best way to supplement your SWICA basic insurance
With SWICA supplementary insurance, you can supplement your insurance cover with additional benefits. For example, you can add comprehensive dental treatments with Denta, or vision aids with Supplementa.
