You pay a share of the costs for medicines through your deductible and copayment. The copayment for original drugs is usually 40%, for generics usually 10%.
What costs are covered by supplementary insurance?
Our supplementary insurance plans cover additional costs for medically prescribed medicines that are not covered by basic insurance:
Supplementary insurance covers other alternative medical remedies. For this purpose, a doctor or a natural health practitioner recognised by Sanitas must dispense or prescribe the remedies.
Save money with generics
Generics contain the identical active ingredients in the same dosage as the original preparations, but usually cost less. In addition, your copayment is usually lower under basic insurance if you opt for a generic drug. You get twice the benefits:
Generics: 10% copayment
Exception: You pay a copayment of 40% for a generic if the ex-factory price exceeds a certain limit. The doctor or pharmacist will inform the insured person if a medicine has an increased copayment.
Original drugs: 40% copayment
Exception: You only pay a copayment of 10% for original drugs if
no generic drug is available,
the original drug cannot be replaced by a generic for medical reasons, or
the price difference between the original and the generic is less than 20%.
Why do generics cost less?
As soon as a particular medication’s patent protection has expired, it may be copied. As a result, the development costs and therefore the price of generics are lower.