New: full cover even with a pre-existing condition
Free choice of doctor worldwide
Go to a trusted doctor abroad
Supplementary insurance for a free choice of doctors worldwide: Medical Private
Does your trusted doctor practise abroad? No problem! We cover the costs.
Key benefits
Who is Medical Private suitable for?
Medical Private is the right choice for all those for whom maximum freedom in the choice of doctor is important – whether at home or abroad, and even if doctors bill according to the statutory tariff or their own tariffs.
Why Medical Private insurance makes sense
Get treatment abroad
Medical care in Switzerland is excellent. However, you may have been in good hands with a family doctor in Germany for years. Or do you have a sports injury and live in a border region? Perhaps your nearest physiotherapist practises in a neighbouring country. In such cases, basic insurance doesn’t cover the costs. That’s when Medical Private comes in.
Greater freedom in Switzerland too
In addition, supplementary insurance also covers services provided by doctors who don’t charge according to statutory tariffs. These are not covered by basic insurance. Medical Private covers the costs if, for example, your trusted gynaecologist decides to start charging according to their own rates.
Full cover even with a pre-existing condition
With the individual premium supplement, Sanitas is the first health insurer in Switzerland to offer many people with pre-existing health conditions or consequences of accidents the option to take out supplementary insurance with full cover.
Overview of benefits
Basic health insurance |
Supplementary insurance
Medical Private | |
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| Calculate premium
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| Switzerland | Treatment by doctors and chiropractors as well as medically prescribed therapies provided by other medical professionals, max. tariff at place of residence or work |
Max. CHF 100,000 per calendar year towards treatments provided by non-KVG/LAMal doctors (KVG Art. 44, para 2), who are not permitted to provide care in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal). (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.) |
| EU/EFTA | Treatment as per bilateral agreements on free movement of persons |
Max. CHF 100,000 per calendar year for Outpatient treatments provided by doctors and hospitals. (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.) |
| Other countries | Up to max. of double the costs paid under the tariff for the place of residence or place of work |
Max. CHF 100,000 per calendar year for Outpatient treatments provided by doctors and hospitals. (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.) |
Drugs as per the Department of Health’s list of pharmaceutical specialities |
Reimbursement on prescription by a doctor recognised under Medical Private (excluding: negative list). (The limit of CHF 100,000 for benefits in Switzerland, in the EU/EFTA, in other countries abroad and for medicines/drugs applies in total, not for individual benefits.) | |
Depending on chosen deductible |
10%, up to max. CHF 1,000 per calendar year |
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Frequently asked questions
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What does my basic insurance cover?
Your basic insurance covers standard benefits such as planned medical treatment within Switzerland and at statutory rates. This supplementary insurance extends your free choice of doctor in Switzerland and beyond.
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Does this supplementary insurance also cover treatment in hospital?
No, the Medical Private supplementary insurance plan covers the costs of planned outpatient treatment provided by doctors and medically prescribed therapies worldwide.
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Am I covered for emergencies abroad?
The Medical Private supplementary insurance only covers planned outpatient treatment. In the event of an emergency abroad, basic insurance covers standard benefits. If you’d like comprehensive support and services such as repatriation to Switzerland, we recommend that you take out travel health insurance.
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Can anyone take out this supplementary insurance?
Yes, that’s possible. For this, as with other supplementary insurance plans, you first have to answer health questions. We then check if admission is possible.
Other supplementary insurance plans
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