Attractive premiums, comprehensive cover: SWICA health insurance in Liechtenstein
SWICA has you covered in Liechtenstein – with attractive premiums and supplementary insurance plans tailored precisely to your needs. They offer the best possible protection for you and your loved ones.
SWICA basic insurance in Liechtenstein
Mandatory health insurance (OKP), also known as basic insurance, covers basic needs in the event of illness, accident and maternity. SWICA offers you attractive premiums on your basic insurance and comprehensive service in Liechtenstein.
There are two basic insurance models to choose from (Standard and Extended):
- OKP Standard: Under this basic insurance model you can choose your doctor from the list of doctors and benefit from attractive premiums.
- OKP Extended: This model allows a free choice of care provider, with SWICA covering the costs up to the OKP rate.
Your monthly premium for 2026
| Excess | Deductible | OKP Standard Premium | OKP Extended Premium |
| CHF 500 | CHF 900 | CHF 389.60 | CHF 429.60 |
| CHF 1500 | CHF 700 | CHF 347.10 | CHF 387.10 |
| CHF 2500 | CHF 500 | CHF 304.70 | CHF 344.70 |
| CHF 4000 | CHF 200 | CHF 241.20 | CHF 281.20 |
Monthly premium for 2026 in Swiss francs for an adult aged 21 or over without accident cover
SWICA's supplementary insurance in Liechtenstein
Complementary medicine, fitness, vaccinations, dental care, glasses and much more: our supplementary insurance plans allow you to purchase specific add-ons to extend your insurance cover – for example for complementary treatment methods, extra comfort in hospital or contributions to your gym membership or the cost of your glasses. So you can design your insurance cover flexibly to suit your individual needs.
Hospital: comfort and flexibility according to your needs
With our Hospita Semi-Private, Private and Private Global (BestMed) supplementary hospitalisation insurance plans, you can opt for more freedom in the choice of hospital and the team of doctors that treats you. You benefit from greater comfort, preferential access to first-rate medical services and many other advantages.
Complementary medicine: attractive contributions towards your therapies
SWICA believes that conventional and complementary medicine can be combined to good effect. Anything that benefits your health is positive. That's why we support complementary therapies with our Completa Top, Completa Forte and Optima supplementary insurance, and place them on an equal footing with conventional medicine.
- Completa Top supplementary insurance: SWICA pays up to 80 francs per hour for complementary therapies*
- Completa Forte supplementary insurance: You receive up to 120 francs per hour for complementary therapies*
- Completa Top/Completa Forte + Optima supplementary insurance: full cover for outpatient complementary treatment*
*for SWICA-recognised therapists and therapy methods
Fitness and health promotion: support for your active lifestyle
We support you on your journey to better health and wellbeing with attractive contributions from Completa Forte, Praevita and Optimasupplementary insurance. From gyms to nutritional advice, yoga to dance or an active membership of a sports club or association, you benefit from individual support for a healthy and active lifestyle, entirely according to your own needs.
How your preventive healthcare contribution breaks down
Completa Forte supplementary insurance: SWICA covers 90% of the costs under Completa Forte supplementary insurance, up to a maximum of 500 francs per calendar year (up to 300 francs per type of activity).
Praevita supplementary insurance: Praevita covers an additional 50% of the costs up to 500 francs per calendar year (max. 300 francs per type of activity).
Optima supplementary insurance: Optima covers 90% of the cost exceeding this amount, up to a maximum of 300 francs per calendar year.
This means the contribution you receive to preventive healthcare can add up to as much as 1300 francs per year.
Glasses and contact lenses: clear vision, great benefits
Combine Completa Top or Completa Forte supplementary insurance with an appropriate supplementary insurance to benefit from generous discounts on glasses and contact lenses.
- Completa Top + Supplementa: 90% up to 500 francs every three years
- Completa Top, Supplementa + Optima: 90% up to 800 francs every three years
- Completa Forte: 90% up to 900 francs every three years
- Completa Forte + Supplementa: 90% up to 1200 francs every three years
- Completa Forte, Supplementa + Optima: 90% up to 1500 francs every three years
Pregnancy and motherhood: comprehensive guidance and support
With the birth of a child, a new phase of life begins. SWICA will support you through every stage of motherhood – from pregnancy and birth to your life as a family. Your family and their individual needs are our focus. With Completa Top, Completa Forte, Praevita and Optima supplementary insurance, you benefit from comprehensive services around preparing for childbirth, support and postpartum care.
- Completa Top/Completa Forte: Breastfeeding allowance of 200 francs per child
- Praevita: Pregnancy and postnatal exercises, baby massage course and much more: 50% up to 500 francs per year
- Completa Forte: Pregnancy and postnatal exercises, baby massage course and much more: 90% up to 500 francs per year
- Optima: Conventional medical treatment by non-affiliated doctors and midwives plus up to 300 francs per year for activities such as pregnancy and postnatal exercises, baby massage course
- Hospita: Accommodation and treatment costs for mother and newborn, extra bed for the child if the mother is hospitalised or for the mother if the child is hospitalised.
Dental insurance: fully covered, smile with confidence
- Completa Top/Completa Forte: up to 100 francs per year for dental treatment and dental hygiene plus up to 10,000 francs for orthodontic treatment up to the age of 25
- Supplementary dental insurance Denta 1 to 4: up to 2000 francs per year for dental treatment and dental hygiene and up to 4000 francs for orthodontic treatment up to the age of 25
Accident: worldwide private insurance and comprehensive care
With Infortuna Medical Expenses supplementary insurance, you are privately insured in the event of an accident anywhere in the world. This supplementary insurance provides comprehensive cover over and above statutory health and accident insurance.
Stays abroad: your insurance cover around the globe
Whether you're travelling on holiday, for a language course or at a different phase of life, we make sure that you remain fully covered when you're abroad. Our supplementary insurance provides protection and support so that you can concentrate fully on your plans.
- Completa Top/Completa Forte: full cover for emergency outpatient and inpatient treatment abroad
- Completa Top/Completa Forte + Optima: full cover for outpatient conventional medical treatment abroad at the rate for private patients
- BestMed: Supplementary hospitalisation insurance for inpatient treatment in private wards worldwide
- Infortuna: full cover worldwide in a private ward in the event of an accident
Endowment insurance: reliable financial provision for when you need it most
To be fully covered for life's misfortunes, it's worth taking out endowment insurance. Protect yourself and your family from the financial consequences of death or disability resulting from an accident.
May we personally advise you?
The team at SWICA's Vaduz office would love to advise you personaly on your health insurance in Liechtenstein. Give us a call or send us a message using the contact form below. We look forward to meeting you!
Valerio Weber, Head of Agency
SWICA Vaduz Office
Meierhofstrasse 2, 9490 Vaduz
+423 377 16 90
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