What kind of supplementary insurance provides meaningful cover?
Mandatory basic insurance in Switzerland covers many benefits, but isn't always enough. Supplementary insurance closes gaps and protects you from high costs if the worst comes to the worst.
What does supplementary insurance pay?
Supplementary insurance is often essential if you want comprehensive cover. It plugs gaps in basic insurance, for example, when it comes to dental treatment, alternative medicine or a free choice of doctor and hospital. It also helps you with the cost of fitness centre memberships, medical check-ups and important screening tests. And in an emergency abroad, supplementary insurance can make the financial risk easier to bear – after all, repatriation can cost around CHF 100,000.
In Switzerland, almost 85% of people have supplementary insurance.
Does supplementary insurance make sense?
Yes. It can be worthwhile taking out supplementary insurance. Doing so can have a number of advantages for you. It's a way of ensuring you get first-class medical care. But it's important to tailor your cover precisely to your needs. That way, you'll be investing consciously in your health and well-being.
What needs can supplementary insurance cover?
Find out what matters most to you personally and decide which supplementary insurance is just right for you.
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Fast access to specialists and free choice of hospital: The fear of not being able to get the treatment you would like can be a strain. MyFlex Balance Hospitalisation Insurance gives you fast access to specialists and a free choice of appointment for outpatient procedures in CSS partner clinics. Each time you have to stay overnight in hospital, you are free to choose the hospital in Switzerland, doctor and ward – general, semi-private or private.
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Get flexible outpatient treatment: Imagine having to go without important treatment because you can't afford it. Whether glasses, an emergency abroad, a dental brace for your child, psychotherapy or medication – myFlex Outpatient Insurance protects you and your family.
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The best medical care for pregnancy and women's health issues: Supplementary insurance offers valuable support in the form of maternity benefits, preventive gynaecological examinations, alternative birth methods and extra midwife support.
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Money for fitness memberships, yoga classes, massages and more: You get up to CHF 1,200 with the Health Account and active365, because your health matters to us.
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Contributions to alternative treatment methods: Supplementary insurance covers alternative treatment methods like acupuncture, homeopathy and osteopathy. CSS lets you choose from 80 different methods. Without this cover, you have to pay everything out of your own pocket.
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Private treatment for accidents: Many people who work only have minimum cover through their employer. For just CHF 8.40 a month, medical costs insurance provides unlimited cover for five years, including private treatment in hospital.
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Worry-free emergency transport: Basic insurance assumes only 50% of the costs, and no more than CHF 500. However, transport by ambulance can cost up to CHF 3,000. Outpatient insurance closes this gap and covers emergency transport, without limit, worldwide.
Choose your supplementary insurance
Recommendation
Close important gaps
myFlex Outpatient Insurance
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90% of medication expenses
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Worldwide cover in emergencies
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Contributions towards glasses, aids, preventive examinations, psychotherapy and much more.
Supplement basic insurance
Hospitalisation Insurance myFlex
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Free choice of doctor & hospital throughout Switzerland
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Private, semi-private or general: you choose before going into hospital
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Worldwide cover in emergencies
Contributions to alternative treatment methods
Alternative Insurance myFlex
- Up to CHF 10,000 a year for treatment
- Free choice of recognised methods
- Go directly to a therapist without a doctor’s report
Recommended for kids
Dental Care Insurance
- Contributions to check-ups and visits to the hygienist
- Contributions to X-rays, fillings and extractions
- Contributions to braces and dentures
Additional protection if you have an accident
Medical Costs Insurance for Accidents
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Free choice of hospital in Switzerland
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Semi-private or private ward
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Worldwide emergency cover
Financial security if you have an accident
Accidental Death or Disability Insurance
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Up to CHF 2,100,000 for disability
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Up to CHF 200,000 in the event of death
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Worldwide protection
Frequently asked questions
Unlike basic insurance, the benefits under supplementary insurance vary from one provider to another. A health check is often conducted before you are admitted. Pay attention to the contract term and notice periods.
The cost of supplementary insurance depends on the chosen scope of benefits and the provider. Thinking about what benefits are important to you will help you find the best value for money.
You can generally apply to take out supplementary insurance at any time. But please note that there may be waiting periods for certain benefits and that the insurer can check your state of health.
Yes, you can change your supplementary insurance. Pay attention to the cancellation deadlines and don't cancel before you receive confirmation of admission to the new insurance. That way, you'll avoid gaps in your insurance cover.
Yes, you can take out basic and supplementary insurance with the same health insurance company, but you don't have to. It's possible to get each kind of insurance from a different provider.
Hospitalisation insurance makes sense if you're looking for flexibility in your choice of hospital or more comfort and privacy in hospital. It allows you to receive treatment outside of the canton where you live and frequently includes the option of choosing a private or semi-private ward. In addition, for outpatient procedures, myFlex Balance Hospitalisation Insurance gives you fast access to specialists and a choice of appointment dates and times in CSS partner clinics.
Yes, we recommend including the accident risk in supplementary insurance. Employers often only provide minimal cover. You'll get the best care and thus won't be faced with high costs if you have an accident.
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