General terms of insurance
General terms of insurance: a definition
The general terms of insurance govern the rights and obligations of both contracting parties, i.e. yours and those of your insurance company. The general terms of insurance, together with the supplementary terms and the policy, form an integral part of the insurance contract.
Is Sanitas free to determine the content of the general terms of insurance?
No, like all other insurance companies, Sanitas has to comply with the legal requirements. The Federal Office of Public Health (FOPH) checks the terms of insurance for basic insurance, while FINMA checks those for supplementary insurance. These checks ensure that the interests of insured persons are safeguarded.
Where can I find the general terms of insurance?
You can download the Sanitas general terms of insurance at any time online.