Sanitas Vital Smart

Standard outpatient insurance

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General

General information:

Outpatient insurance Sanitas Vital Smart.

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year.

Premiums and discounts:

Amount of premiums varies depending on the age, place of residence, gender of the insured person, cost coverage of alternative medicine and cost coverage of health promotion. Discount for early payment.

Alternative medicine: 80% of the costs, maximum CHF 2500 or CHF 5000 per calendar year.
Health promotion: 50% of the costs, maximum CHF 400 or CHF 600 per calendar year.

The higher cover is used to calculate the premium.

Glasses and contact lenses:

Cost contribution to eyeglass lenses, contact lenses and vision aids or eye lasering: 100%, up to CHF 300 within 3 calendar years, including neighboring foreign countries.

Vaccinations:

80 percent cost contribution, up to a maximum of CHF 1000 per calendar year including preventive measures.

Preventative examinations:

Cost contribution of 80 percent for check-ups, gynecological preventive examinations and early detection of cancer up to CHF 1000 per calendar year including vaccinations.

Gym memberships:

You can choose between two types of insurance cover:

Option 1: Cost contribution of 50 percent to fitness subscriptions and exercise classes, up to a maximum of CHF 200. Cost contribution of 50 percent to other health promotion (nutrition, mental balance, etc.), up to a maximum of CHF 200.
Option 2: Cost contribution of 50 percent to fitness subscriptions and exercise classes, up to a maximum of CHF 300. Cost contribution of 50 percent to other health promotion (nutrition, mental balance, etc.), up to a maximum of CHF 300.

Medicines:

90 percent of medicines not coverd by health insurance companies.

Alternative medicine:

You can choose between two types of insurance cover:

Option 1: 80 percent up to CHF 2500 per calendar year (massages up to CHF 250 per calendar year).
Option 2: 80 percent up to CHF 5000 per calendar year (massages up to CHF 500 per calendar year).

Psychotherapy:

Cost contribution to nonphysician psychotherapy: 80 percent up to CHF 1000 per calendar year together with ligation and correction of protruding ears.

Search & rescue in Switzerland:

Full cover for emergency transportation and rescue costs. Search costs: CHF 50,000 per event.

Search & rescue abroad:

Costs are covered if organized by Sanitas Assistance.

Medical costs abroad:

Full coverage of outpatient and inpatient treatment for a maximum of 180 days.

Tooth misalignment treatments:

Treatment of tooth misalignment up to the age of 20: 50 percent (per calendar year), including neighboring foreign countries.

Dental treatments:

No coverage.

Spa & convalescent therapy :

Coverage within hospital insurance.

Equipment:

90 percent up to CHF 1000 per calendar year.

Sterilization:

Cost contribution to ligation: 80 percent up to CHF 1000 per calendar year together with non-physician psychotherapy and correction of protruding ears.

Maternity:

For example antenatal classes, postnatal exercise classes and first aid courses: 80 percent up to CHF 1000 per calendar year. Waiting period: 9 months.

Ear corrections:

Cost contribution to correction of protruding ears: 80 percent up to CHF 1000 per calendar year together with non-physician psychotherapy and ligation.

Home care:

Coverage within hospital insurance.

Additional services:

Full cover even with pre-existing conditions.
Increase (with health check) or downgrading (without health check) of the insurance level possible.