The perfect addition for better health
Supplementary insurance for every need
Supplementary insurance plans as an addition to basic insurance: for all those who don’t compromise on health and comfort.
Your benefits
Why supplementary insurance makes sense
78% have supplementary insurance
This is the proportion of the Swiss population that has taken out at least one supplementary insurance plan (according to a comparis.ch survey from 2021).
Basic insurance covers a lot of bases, but not everything. For example: if you’re travelling outside Europe and have to go to hospital in an emergency, this can result in high costs, most of which you have to pay yourself.
Which supplementary insurance is best for you?
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Frequently asked questions
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What is supplementary insurance?
Basic insurance covers the most important benefits. Supplementary insurance plans complement basic insurance, covering benefits that are not mandatory, such as contributions to alternative medicine or fitness centre memberships. Basic insurance is compulsory, whereas supplementary insurance plans are voluntary. It’s a good idea to take out supplementary insurance plans early on while you’re still fit and healthy.
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What costs are covered by supplementary insurance?
The costs paid by Sanitas depend on the supplementary insurance plan in question. Find out here which benefits are covered. To find out quickly which benefits are covered by your supplementary insurance plan, use the Cover Check in the Sanitas Portal.
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How do I terminate my supplementary insurance and switch to Sanitas?
Only terminate your old insurance once you have received confirmation of acceptance from Sanitas. You first have to answer the health questions.
The notice of termination or form sent to your current insurer has to be signed in writing by all persons of legal age affected. Please check the exact deadlines with your health insurance company. Further tips are available on this page.
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Why do I have to answer health questions?
All insurance companies want to know what risk they are taking on when they accept an insurance application: Has the applicant listed many, few or no health problems when answering the health questions? Health insurers use the information provided to decide whether and under what conditions to accept the insurance application.
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Why does the premium for supplementary insurance increase with age?
Two factors determine the amount of your premium. Firstly, it is adjusted individual, taking your personal health risk into account. Secondly, statistical models are used in the calculation. These show that health risks increase with age.
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Can I take out insurance with different health insurers?
Yes, you can take out supplementary insurance with different health insurers. Some benefits may overlap, depending on the plans you choose. A personal consultation ensures that you are neither underinsured nor overinsured. Our experts are available from Monday to Friday, 9 am to 5 pm on 0844 150 150.
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