Health Insurance Livo Top
Better care all round: supplementary insurance for outpatient and alternative treatment, stays in hospital and health promotion. Livo Top is the comprehensive way to supplement your basic insurance.
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The advantages for you
- Includes all the benefits provided under Health Insurance Livo Smart: optical aids, medication, alternative medicine, dental braces for children and contributions towards fitness centre memberships and yoga classes.
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Free choice of doctor and care by higher-qualified doctors and professionals during inpatient stays and outpatient procedures.
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Enjoy the comfort of a single or two-bed room, with a choice of menus, and get contributions towards spa and recovery cures.
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Elective treatment abroad and Private Assistance if you choose the Premium insurance category.
- Health Insurance Livo Top lets you take full advantage of the enjoy365 Health Shop and the active365 rewards app.
How Health Insurance Livo Top works
Livo Top provides comprehensive supplementary insurance: It combines outpatient, alternative and inpatient treatment in a single product and supports your efforts to promote your health. Livo Top is the comprehensive way to supplement basic insurance.
What does Health Insurance Livo Top cost?
Premiums vary depending on your age and gender.
Choice of insurance category
Thanks to the Balance and Premium categories of insurance, Health Insurance Livo Top can be perfectly adapted to your needs. Balance offers a wide choice of hospitals, while Premium comes with even more facilities and the exclusive Private Assistance service. Both Premium and Balance give you access to private services.
Worth knowing about Health Insurance Livo Top
Wherever you need help: Livo Top supplements your basic insurance and provides comprehensive benefits throughout your life.
Better care all round
Health Insurance Livo Top lets you enjoy even more advantages. In addition to the benefits provided under Livo Smart Livo Top gives you access to special services, higher cost contributions, greater freedom of choice and more comfort in hospital. Choose Livo Top for extra security and well-being.
Free choice of hospital
Thanks to the Balance and Premium categories of insurance, Livo Top can be perfectly adapted to your needs.
- Premium: Choose from a large number of Swiss hospitals, rehab clinics and psychiatric facilities. Get exclusive access to the Private Assistance service and dedicated support from CSS’s team of specialists. Only the Premium category provides cover for elective treatment abroad and hazardous activities. And, in some cases, you benefit from higher maximum amounts.
- Balance: Opt for a restricted choice of hospitals and enjoy lower premiums. This category still offers a wide selection of hospitals, including cantonal hospitals and university clinics.
List of service providers per canton
The list of service providers shows you which hospitals, rehab clinics and psychiatric facilities you can choose from, and what share of the costs you can choose to pay.
Increase your cover, no health questions asked
Choose the Upgrade option. This gives you the flexibility to tailor your insurance to your own personal circumstances, regardless of your state of health. The option may be exercised every five years (at the age of 20, 25, 30, etc. up to age 70).
Same benefits as Health Insurance Livo Top for Premium and Balance Same benefits as Health Insurance Livo Top for Premium and Balance
Livo Top
Premium
List of benefits identical to Balance
Balance
List of benefits identical to Premium
General benefits
100%, max. CHF 200 / calendar year; up to age 18 100%, max. CHF 200 per case
100%, max. CHF 200 / calendar year; up to age 18 100%, max. CHF 200 per case
90%, max. CHF 1,000 / insured person
90%, max. CHF 1,000 / insured person
75%, no limit
75%, no limit
90%, max. CHF 1,000 / calendar year
90%, max. CHF 1,000 / calendar year
100% within Europe: max. CHF 250,000 / case
100% outside Europe: max. CHF 50,000 / case
(legal entity Orion Rechtsschutz-Versicherung AG, Basel)
100% outside Europe: max. CHF 50,000 / case
(legal entity Orion Rechtsschutz-Versicherung AG, Basel)
100% within Europe: max. CHF 250,000 / case
100% outside Europe: max. CHF 50,000 / case
(legal entity Orion Rechtsschutz-Versicherung AG, Basel)
100% outside Europe: max. CHF 50,000 / case
(legal entity Orion Rechtsschutz-Versicherung AG, Basel)
Health promotion
min. 50%, max. CHF 300 / calendar year
min. 50%, max. CHF 300 / calendar year
Alternative medicine
75%, max. CHF 10,000 / calendar year
Deductible: CHF 300 / calendar year (no deductible up to age 18)
Deductible: CHF 300 / calendar year (no deductible up to age 18)
75%, max. CHF 10,000 / calendar year
Deductible: CHF 300 / calendar year (no deductible up to age 18)
Deductible: CHF 300 / calendar year (no deductible up to age 18)
Maternity
90%, no limit
90%, no limit
CHF 500 / child
CHF 500 / child
min. 50%, max. CHF 300 / calendar year
min. 50%, max. CHF 300 / calendar year
CHF 200 / child (min. 30 days of breastfeeding)
CHF 200 / child (min. 30 days of breastfeeding)
Dental
Up to age 18, 50%, max. CHF 2,000 / calendar year
Up to age 18, 50%, max. CHF 2,000 / calendar year
Up to age 18, 50%, max. CHF 12,000 / calendar year
Up to age 18, 50%, max. CHF 12,000 / calendar year
From age 19, 50%, max. CHF 2,000 / calendar year
From age 19, 50%, max. CHF 2,000 / calendar year
Inpatient stays and outpatient procedures
max. CHF 120 / day, max. CHF 3,000 / calendar year
max. CHF 120 / day, max. CHF 3,000 / calendar year
100%, no limit (in hospitals on the cantonal hospital lists outside the canton of residence)
100%, no limit (in hospitals on the cantonal hospital lists outside the canton of residence)
100%, no limit, with chosen co-payment as per list of service providers for outpatient procedures
100%, no limit, with chosen co-payment as per list of service providers for outpatient procedures
Other benefits
max. CHF 120 / day, max. CHF 3,000 / calendar year
max. CHF 120 / day, max. CHF 3,000 / calendar year
max. CHF 80 / day, max. CHF 3,000 / calendar year
max. CHF 80 / day, max. CHF 3,000 / calendar year
Outpatient: 90%, max. CHF 2,000 / case
Inpatient: 90%, max. CHF 4,000 / case
Inpatient: 90%, max. CHF 4,000 / case
Outpatient: 90%, max. CHF 2,000 / case
Inpatient: 90%, max. CHF 4,000 / case
Inpatient: 90%, max. CHF 4,000 / case
min. 50%, max. CHF 1,000 / calendar year
min. 50%, max. CHF 1,000 / calendar year
Benefits that vary for Livo Top Premium and Balance Benefits that vary for Livo Top Premium and Balance
Livo Top
Premium
As well as a broad choice of hospitals, Premium offers additional exclusive benefits.
Balance
Balance offers a broad choice of hospitals.
Inpatient stays
100%, no limit, as per Premium list and chosen co-payment
100%, no limit, as per Balance list and chosen co-payment
100%, no limit, as per Premium list and chosen co-payment
100%, no limit, as per Balance list and chosen co-payment
as per Premium list, max. 180 days / calendar year each
as per Balance list, max. 90 days / calendar year each
min. 50%, max. CHF 1,000 / calendar year (max. CHF 500 / case)
min. 50%, max. CHF 500 / calendar year
Other benefits
75%, max. CHF 3,000 / calendar year
75%, max. CHF 1,000 / calendar year
max. CHF 100 / day, max. CHF 1,000 / calendar year
max. CHF 50/day, max. CHF 500 / calendar year
75%, max. CHF 4,000 / calendar year from age 19 (ear corrections: up to age 18)
75%, max. CHF 2,000 / calendar year from age 19 (ear corrections: up to age 18)
min. 50%, max. CHF 3,000 / calendar year
min. 50%, max. CHF 1,000 / calendar year
Exclusive benefits for Livo Top Premium
Outpatient: 75%, max. CHF 250,000 / calendar year
Inpatient: 75%, max. CHF 500,000 / calendar year
Inpatient: 75%, max. CHF 500,000 / calendar year
max. CHF 250,000 / calendar year
Frequently asked questions
No. We recommend insuring the risk of accident. Excluding it is only recommended for persons who are insured through their employer for better cover than that prescribed by law. Exclusion results in a mere 6% premium reduction.
No. That isn't always possible. Health Insurance Livo Top lets you choose from a wide range of hospitals throughout Switzerland. The list of service providers shows you which hospitals, rehab clinics and psychiatric facilities are available. The Premium insurance category lets you choose almost any clinic. Balance offers a carefully curated selection at lower premiums.
Elective treatment abroad is insured for up to CHF 500,000 under the Premium insurance category.
Yes, Health Insurance Livo Top pays a share of the cost of glasses, contact lenses and vision correction surgery.
If you have Health Insurance Livo Top, we support a wide range of offers designed to promote your health. We pay at least 50% and up to CHF 300 a year.
Downloads
- Livo supplementary insurance brochure (PDF)
- List of methods and therapists for alternative medicine – Health Insurance Livo Top and Livo Smart (PDF)
- Health promotion – Health Insurance Livo Top and Livo Smart (PDF)
- Health promotion for pregnancy and maternity – Health Insurance Livo Top and Livo Smart (PDF)
- Maternity – Livo benefits at a glance (PDF)
- Fournisseurs de prestations stationnaires «Balance» et «Premium» – Assurance santé Livo Top (PDF)
- Innovations – Health Insurance Livo Top (PDF)
- Outpatient procedures and treatments – Health Insurance Livo Top (PDF)
- Fornitore di prestazioni Interventi ambulatoriali – Assicurazione sanitaria Livo Top (PDF)
- All-round comfort – Health Insurance Livo Top (PDF)
- Spas and health resorts – Health Insurance Livo Top (PDF)
- Medication: Non-insured preparations (additional to the LPPV) – Health Insurance Livo Top and Livo Smart (PDF)
- VVG aids and medical devices – Health Insurance Livo Top and Livo Smart (PDF)
- Offers and providers Mental health – Health Insurance Livo Top and Livo Smart (PDF)
- Support offers – Health Insurance Livo Top and Livo Smart (PDF)
- Dental benefits – Livo calculation examples (PDF)
- Abroad – Livo benefits at a glance (PDF)
- Form for planned treatment abroad (PDF)
- Reporting a case Legal Protection Insurance for Patients or Legal Protection Insurance while Abroad (PDF)
- Private Assistance (PDF)
- GIC - Livo supplementary insurance (PDF)
- Supplementary Conditions – Health Insurance Livo Top (PDF)
- Reimbursement All-round comfort services Livo (PDF)
