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Supplementary outpatient insurance premium

For first-rate outpatient benefits

With premium, you receive the same benefits as with plus – but also substantially higher contributions towards, for example, preventative measures, alternative medicine, glasses and braces. premium natura gives you access to even more alternative medicine: you receive comprehensive contributions towards alternative medicine and can opt for additional treatment methods.

Insured benefits

The “VZ Test 2024 – A Comparison of Health Insurers” guide confirms that Sympany’s supplementary outpatient insurance premium offers above-average benefits. See for yourself!

If prescribed by a doctor: 90% of the costs, unlimited

  • Maximum cover for alternative medicine:
    without natura CHF 6,000 per calendar year
    with natura CHF 10,000 per calendar year
  • Natural treatments: 80% of the costs
  • Recognised methods:
    without natura 50% of the costs
    with natura 80% of the costs
  • Advanced methods: with natura 50% of the costs, max. CHF 2,000 per calendar year

Alternative medicine methods >

Full cost coverage subsequent to the benefits of basic insurance

Increases the limited basic insurance benefits (50% with maximum amounts) to 100% unlimited.

Please note: The statutory cost share is incurred for the portion from basic insurance.

  • Vaccinations: 80% of the costs, up to CHF 220 per calendar year
  • Preventative check-ups: up to CHF 600 per calendar year
  • Precautionary gynaecological examinations90% of the costs,
    one examination per calendar year during the years not covered by basic insurance
  • Health-promoting courses (e.g. giving up smoking, dietary advice):
    up to CHF 250 per calendar year
  • Sports contribution (e.g. gym, relaxation course or sports club):
    up to CHF 300 per calendar year
  • Prenatal classes with a recognised specialist: up to CHF 200
  • Breastfeeding allowance: up to CHF 250

More on pregnancy and baby >

If prescribed by a doctor: 50% of the costs, up to 12 visits a year

  • Glasses or contact lenses:
    aged up to 18: up to CHF 420 per calendar year
    aged 18 and over: up to CHF 420 within 3 calendar years
  • Other medical aids (e.g. blood pressure monitor, tailor-made insoles, pelvic floor training device):
    50% of the costs, up to CHF 250 per calendar year
  • Check-ups (aged up to 25): CHF 60 per calendar year
  • Orthodontic treatment (aged up to 25): 70% of the costs, up to CHF 15,000
  • Extraction of wisdom teeth: 90% of the costs

For illness-related treatment by therapists who are not subject to the Federal Health Insurance Act (“KVG”) (“independent therapists”)

50% of the costs, up to CHF 2,000 per calendar year

Useful links on alternative medicine

The supplementary outpatient insurance premium overview

The outpatient supplementary insurance premium does more than just close the gaps in cover in your basic insurance. Unlike plus, it also pays comprehensive contributions towards preventative measures, alternative medicine and aids such as glasses and contact lenses. Including abroad.

In addition, premium covers the costs of treatment at private outpatient consultations by doctors who are not subject to the Federal Health Insurance Act (“KVG”) (according to the recognised KVG tariff).

You can compare the benefits of plus and premium here >

premium natura is worth it especially if you regularly use alternative medical treatments and aids. You also benefit from additional alternative medical treatment methods (“advanced treatment methods”) and higher contributions than with plus, plus natura or premium.

Yes, you can. Once your CHF 300 deductible has been reached, the supplementary outpatient insurance premium covers the costs of medical treatment abroad up to a maximum of twice the amount as in Switzerland, subject to a 10% deductible.

Our tip: If you plan on travelling abroad, especially outside the EU/EFTA, it is advisable to take out tourist or tourist subito travel health insurance. It doesn’t just cover the costs of outpatient treatment, but also those associated with hospital stays, transport, search, rescue and recovery abroad. It also covers additional return trips, including for relatives, and additional useful benefits in the event of an emergency abroad. Learn more about travel health insurance >