Supplemental Health Insurance Comparison 2024
The comprehensive and unbiased supplemental health insurance comparison from all major Swiss health insurance providers. Compare supplemental health insurance now
The data is updated regularly.
Supplemental Health Insurance
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The comprehensive and unbiased supplemental health insurance comparison from all major Swiss health insurance providers. Compare supplemental health insurance now
The data is updated regularly.
Three simple steps: How to use the supplementary health insurance comparison.
Learn moreEnter Data
Select the coverages and benefits you need to limit results to insurance offers which include those coverages.
Compare Offers
Compare premiums and coverage using filter and sort criteria.
Apply Online
Begin the application process for the supplementary health insurance of your choice directly online.
Voluntary Supplemental Health Insurance Questions and Answers
Swiss health insurance providers differentiate between mandatory health insurance – which all residents are entitled to – and voluntary health insurance. Voluntary health insurance includes supplemental health insurance which extends outpatient and medical emergency insurance, and supplemental hospital insurance which extends inpatient insurance.
In addition to extending coverage provided by mandatory health insurance, supplemental health insurance may also include insurance coverages and benefits which mandatory health insurance does not cover at all.
The best supplemental health insurance is the offer which gives you the coverages you need at the lowest price.
Supplemental health insurance is normally sold in bundled packages which include many different individual coverages. The moneyland.ch supplemental health insurance comparison includes ratings of individual coverages as well as overall ratings of insurance packages.
The supplemental health insurance comparison lets you find and compare offers which provide one or more of these coverages:
Yes. You can use mandatory health insurance from one health insurance provider and supplemental health insurance from a different health insurance provider. Some insurance providers only offer mandatory health insurance. There are also a few insurance providers which only offer supplemental health insurance.
Important: A few health insurance providers only let you take out supplemental health insurance in combination with their mandatory health insurance. However, the mandatory and supplemental health insurances are always two separate contracts. This means you can terminate your mandatory health insurance without giving up your supplemental health insurance.
Yes. Unlike mandatory health insurance which insurers are obligated to provide, supplemental health insurance is voluntary. You are not obliged to take out supplemental health insurance and insurers are not obligated to insure you.
If you have a history of poor health or are fairly old, you may find it difficult to be accepted for supplemental health insurance. In some cases, insurers may accept your application but add exclusions. For example, if your child has known orthodontic conditions, an insurance provider may accept their supplemental health insurance application but exclude coverage for orthodontics.
Yes. Unlike Swiss mandatory health insurance which has premiums that are fixed by age groups (children, young adults, adults), supplemental health insurance premiums typically get more expensive as you age. This is because the risk of your having health problems increases with age.
No. You are not required to take out supplemental health insurance in addition to mandatory health insurance. It is voluntary. This also means that health insurance providers are not required to accept your applications. If you are elderly or have existing illnesses, you may not be able to get supplemental health insurance.
Voluntary health insurance is not a must, but it can pay off depending on your situation and your needs. Supplemental health insurance offers generally bundle many different coverages. You will not likely need all of the coverages included in these package deals.
Follow these steps to determine whether an insurance will pay off for you:
No. You can take out mandatory health insurance and voluntary health insurances from different insurance providers. In many cases doing this makes financial sense because the company offering the cheapest mandatory health insurance may not offer the best voluntary health insurance for your needs.
Some insurance companies offer multiple-policy discounts when you get both mandatory and voluntary health insurance from them. But these discounts tend to be relatively small.
Before you move to a different supplemental health insurance provider, take time to compare the premiums and benefits. If you find a better alternative to your existing insurance, apply for the new insurance you want before terminating your existing insurance.
Only terminate your existing supplemental health insurance after your new health insurance application has been approved. The reason for this is that insurance providers are under no obligation to accept supplemental health insurance applications. By getting approved for a new insurance before giving up your existing coverage, you avoid the risk of being left uninsured if your application is rejected.
Pay attention to the notice requirements of your existing insurance. Make sure to time your application so that your new insurance is approved in time to terminate your existing insurance with the required notice period.
While the notice period for mandatory health insurance is identical across all insurers, notice periods for supplemental health insurance vary between insurance providers. In most cases the notice periods are longer for supplemental health insurance than for mandatory health insurance.
A required notice period of 3 months ahead of the end of each calendar year is common. In this case, you will have to make sure the insurance provider receives your notice of termination by the end of September.
You can find more information about terminating supplemental health insurance here.
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