SWICA Optima is a good choice for you if...
you want the optimum top-up for Completa Top, Completa Forte, Praevita or Supplementa insurance.
you want the highest level of protection for your health.
you regularly invest in fitness and exercise, nutrition, relaxation and wellbeing, and in preventive measures.
you want to be insured as a private patient for outpatient treatment abroad.
What SWICA Optima offers you
With Optima as an upgrade to your Completa Top, Completa Forte, Praevita and Supplementa insurance, you'll be going one step further. You'll enjoy maximum benefits and full cover in many areas of your everyday life. For example:
- Your complementary therapies, such as osteopathy: You benefit from full cost coverage (100%) for recognised treatments.
- Your check-ups and screening: You invest in your health, and we cover up to 90% of the costs.
- Your health promotion and preventive healthcare: You invest in your health, and we contribute up to 1300 francs towards your activities. From gym memberships to yoga classes and nutritional advice.
- Your glasses or contact lenses: You receive maximum contributions towards vision aids – for the best eyesight, no compromises. This means 90% up to a maximum of 1500 francs every three years on top of the benefits provided under basic insurance.
- Your treatment abroad:Full cover for scheduled outpatient treatment (excluding dental treatment).
And those are just a few examples. The following table sets out all the benefits in full.
SWICA Optima benefits in detail
The table below shows how your basic insurance, supplementary insurance and Optima work together – and where you can enjoy maximum benefits and full cover.
Benefit | Basic insurance | Optima and Completa Top | Optima and Completa Forte |
|---|---|---|---|
| Outpatient treatment | Treatment by an affiliated doctor or other approved health professional. Full cover Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Conventional medical treatment by non-affiliated doctors worldwide Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Conventional medical treatment by non-affiliated doctors worldwide 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 (directory of therapists) certified (FMH) in the relevant discipline Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | In addition to basic insurance, full cover with SWICA-recognised doctors and therapists Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | In addition to basic insurance, full cover with SWICA-recognised doctors and therapists 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 within the scope of the Health Insurance Benefits Ordinance; gynaecological check-up every three years Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | In addition to basic insurance 90%, amount unlimited, as per separate list | In addition to basic insurance 90%, amount unlimited, as per separate list |
| 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 the birth | Conventional medical treatment by non-affiliated doctors and midwives plus a breastfeeding allowance of 200 francs per child Combined with Praevita: Antenatal and postnatal exercises; up to 600 francs per year from health promotion | Conventional medical treatment with non-affiliated doctors or midwives plus breastfeeding allowance of 200 francs per child Combined with Praevita: Antenatal and postnatal exercises; up to 900 francs per year from health promotion |
| Health promotion and preventive healthcare | 90% up to 300 francs per year, as per separate list Combined with Praevita: As per separate list up to 800 francs per year, up to 600 francs per type of activity | Up to 800 francs per year, as per separate list Combined with Praevita: As per separate list up to 1300 francs per year, up to 900 francs per type of activity | |
| Vaccinations, including travel vaccinations | Vaccinations in accordance with the Health Insurance Benefits Ordinance Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | In addition to basic insurance 90%, amount unlimited | In addition to basic insurance 90%, amount unlimited |
| Medical spa treatments | 10 francs/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. | In addition to basic insurance, 60 francs/day, max. 30 days per year | In addition to basic insurance, 60 francs/day, max. 30 days per year |
| Convalescence cures | 50 francs/day, max. 30 days per year | 50 francs/day, max. 30 days per year | |
| Psychotherapy | Psychotherapy with a specialist; psychological psychotherapy prescribed by a doctor Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | 90% up to 75 francs per session, max. 60 sessions per year with SWICA-recognised psychotherapists | 90% up to 75 francs per session, max. 60 sessions per year with SWICA-recognised psychotherapists |
| Glasses or contact lenses | 180 francs 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. | In addition to basic insurance 90% up to 500 francs every three years (benefits under Completa Top cannot be combined with those under basic insurance) Combined with Supplementa: 90% up to 800 francs every three years | In addition to basic insurance 90% up to 1200 francs every three years (benefits under Completa Forte cannot be combined with those under basic insurance) Combined with Supplementa: 90% up to 1500 francs every three years |
| 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. | In addition to basic insurance 90% up to 500 francs per year, in accordance with separate list Combined with Supplementa: 90% up to 1000 francs per year, as per separate list | In addition to basic insurance 90% up to 500 francs per year, as per separate list Combined with Supplementa: 90% up to 1000 francs per year, as per separate list |
| Emergency and medically indicated transport, search and rescue operations | - 50% up to 500 francs 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 5000 francs 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. | In addition to basic insurance for Switzerland: 90% up to 40 000 francs per year for emergency transport and transfers, together with the benefits from basic insurance; search and rescue operations, up to 20 000 francs per year Abroad: search and rescue operations up to 50 000 francs per year; emergency transport up to 70 000 francs per year Combined with Supplementa: Emergency transport and transfers 90% up to 60 000 francs per year (Switzerland) or 90% up to 90 000 francs per year (abroad) | In addition to basic insurance for Switzerland: 90% up to 120 000 francs per year for emergency transport and transfers, together with the benefits from basic insurance; search and rescue operations up to 100 000 francs per year Abroad: search and rescue operations up to 150 000 francs per year; emergency transport up to 170 000 francs per year Combined with Supplementa: Emergency transport and transfers 90% up to 140 000 francs per year (Switzerland) or 90% up to 190 000 francs per year (abroad) |
| 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 and EFTA countries Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Full cover for outpatient treatment (excluding dental treatment, Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) and full cover for inpatient treatment in emergencies (private hospital category for the first three months abroad, Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) | Full cover for outpatient treatment (excluding dental treatment, Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) and full cover for inpatient treatment in emergencies (private hospital category for the first three months abroad, Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.) |
The applicable benefits are determined by the Supplementary Conditions for each product. Co-payments in Completa Top or Completa Forte:
Under the General Insurance Conditions (GIC) and Supplementary Conditions (SC), adults can choose between no excess and an excess of 600 francs. No excess is applied for children below the age of 18. All insured persons are subject to a deductible of 10% (max. 700 francs for adults and 350 francs for children). Any co-payments already made under mandatory healthcare insurance are taken into account (see “SWICA advantage”).
SWICA Optima: co-payments for your health promotion activities simply explained
Benefit from generous contributions to your health promotion activities. Depending on the supplementary insurance chosen, SWICA will support you with up to 1300 francs* per year. *This is how your prevention contribution is calculated: SWICA covers 90% of the costs under Completa Forte supplementary insurance, up to 500 francs per calendar year (up to 300 francs per type of activity). Praevita covers an additional 50% of the costs up to 500 francs per year (up to 300 francs per type of activity). Optima supplementary insurance covers 90% of the cost exceeding this amount, up to a maximum of 300 francs per calendar year. This means your preventive healthcare contribution can be as much as 1’300 francs per year. Find out more in the example calculations below, or in the comparison of contributions.
Please note: Optima can be taken out in combination with Completa Top or Completa Forte and can be extended with the benefits provided by Praevita and Supplementaoutpatient insurance
SWICA Optima: the advantages for you
Optima supplementary insurance helps you get the most out of your preventive healthcare, with the highest contributions, full cover and exclusive services.
Full cover for complementary medicine
Privately insured for outpatient treatment anywhere in the world
90% of the cost of medical check-ups
Multiple awards for customer satisfaction in Switzerland
Still not sure whether SWICA Optima is right for you? Arrange a personal consultation and find out how to maximise your health benefits.
Frequently asked questions about SWICA Optima
Would you like to know how SWICA Optima extends your supplementary insurance or when an upgrade makes sense? Find answers to the most frequently asked questions about benefits, costs and advantages here.
