New: full cover even with a pre-existing condition
The ideal supplementary insurance

for every lifestyle

Supplementary outpatient insurance: Vital

From alternative medicine to fitness centre membership: the flexible supplementary insurance to suit every lifestyle and budget.

Key benefits

All-round cover

Excellent cover to supplement your basic insurance – for example, in emergencies.

Whichever is best for you

You can choose the category of insurance (Basic, Smart or Premium) that suits your requirements and budget.

Fitness, alternative medicine and more

You receive generous contributions for courses on health promotion and alternative medicine.

Who is Vital suitable for?

The Vital supplementary outpatient insurance solution is perfect for anybody who wants to actively promote their physical and mental fitness – thanks to its wide range of preventive, medical and health-promoting measures.

Why Vital supplementary insurance makes sense

Vital supplementary outpatient allows you to insure outpatient benefits not covered or only partly covered under basic insurance, such as alternative medicine, a fitness centre membership and much more. Just as suits your lifestyle and your budget.

  • Supplement basic insurance – in line with your requirements

    Choose the option that suits your health needs and your budget. Vital supplementary outpatient insurance offers three categories of insurance:

    • Basic
    • Smart
    • Premium

    The higher the category of insurance, the more benefits you receive and the higher the share of costs covered. No matter which category you choose, you’ll receive excellent value for money.

  • Comprehensive package of benefits

    The Vital supplementary outpatient insurance solution pays higher costs or makes more generous contributions compared to basic insurance. For example, for:

    • Health promotion, e.g. cost contributions to fitness centre memberships or courses
    • Glasses, contact lenses or laser eye surgery
    • Alternative medicine
    • Orthodontics
    • Check-ups
    • Rescue operations in Switzerland and emergencies abroad
    • Extra benefits, e.g. for state-of-the-art treatment methods like genetic testing or innovative digital therapies

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 insurance
Close gaps

Vital Basic
Be flexible

Vital Smart
Enjoy all-round cover

Vital Premium
Calculate premium Calculate premium Calculate premium Calculate premium
Emergencies
Emergency transport and rescue operations in Switzerland

Emergency transport: 50%, up to CHF 500 Rescue: 50%, up to CHF 5,000

100%, unlimited, for emergency transport and rescue

Same as Vital Basic

Same as Vital Basic

Search and recovery operations in Switzerland

–

100%, up to CHF 50,000 per event, for search and recovery costs

Same as Vital Basic

Same as Vital Basic

Emergency treatment abroad

EU/EFTA: Treatment as per bilateral agreements on free movement of persons Other countries: maximum of double the costs paid under the tariff for the canton of residence

100%, unlimited, for outpatient and inpatient treatment for max. 180 days (excluding copayments for cost shares in accordance with basic insurance or the bilateral agreements with EU/EFTA states and the United Kingdom of Great Britain/Northern Ireland)

Same as Vital Basic

Same as Vital Basic

Assistance and services in the event of illness or accidents abroad

–

Services organised by Sanitas Assistance, including medically necessary transportation and repatriation, procurement of medicines, organisation of accommodation, up to 10 overnight stays at CHF 200 each

Same as Vital Basic

Same as Vital Basic

Medicines and drugs

Drugs as per the Department of Health’s list of pharmaceutical specialities

90%, unlimited, for uninsured drugs (medically prescribed drugs not covered under basic insurance)

Same as Vital Basic

Same as Vital Basic

Medical aids and devices*

Medical aids as per list of aids and devices

90%, up to CHF 1,000, (for amounts exceeding basic insurance and for additional medical aids as per list)

Same as Vital Basic

Same as Vital Basic

Vision aids and laser eye surgery

Vision aids: CHF 180 up to end of year in which insured turns 18

100%, up to CHF 300­ within 3 calendar years, incl. neighbouring countries

Same as Vital Basic

100%, up to CHF 600 within 3 calendar years

Orthodontics 

–

50%, up to CHF 10,000, up to end of calendar year in which insured turns 20, incl. neighbouring countries

50%, unlimited, up to end of calendar year in which insured turns 20, incl. neighbouring countries

80%, unlimited, up to end of calendar year in which insured turns 20, incl. neighbouring countries

Preventive medical care*

Preventive measures, e.g. well-child check-ups, gynaecological check-ups (every 3 calendar years), specific vaccinations

80%, up to CHF 500, for vaccinations and vaccination advice, gynaecological check-ups

80%, up to CHF 1,000, in addition to Vital Basic: medical check-ups, early detection of cancer

80%, up to CHF 1,500, in addition to Vital Smart: self-tests, online mole checks, cataract prevention

Alternative medicine*

Individual methods, e.g. acupuncture, anthroposophical medicine, medicines prescribed by traditional Chinese medicine (TCM), homoeopathy, phytotherapy, provided the treatment is administrated by a doctor (with a relevant qualification)

–

80%, either up to CHF 2,500 or CHF 5,000, of which up to max. CHF 250 or CHF 500 for massages

80%, up to CHF 10,000, including up to max. CHF 750 for massages

Health promotion*

–

–

50%, either up to CHF 400 or CHF 600, including up to CHF 200 or CHF 300 each for exercise/fitness and additional measures, e.g. diet, mental balance

80%, up to CHF 800, including up to CHF 400 each for exercise/fitness and additional measures, e.g. diet, mental balance

Additional forms of treatment, therapies and diagnostic services*

–

–

80%, up to CHF 1,000, for non-medical psychotherapy, sterilisation, cosmetic procedures, podiatry

80%, up to CHF 5,000, in addition to Vital Smart: digital therapies, genetic testing

Parental benefits*

Check-ups by doctors or midwives, CHF 150 for antenatal course, breastfeeding advice

–

80%, up to CHF 1,000, including antenatal course, postnatal exercise classes, baby and child first aid course

80%, up to CHF 1,000, in addition to Vital Smart: up to CHF 1,000 daily benefits per birth/adoption

Planned transportation

–

–

–

80%, max. CHF 500

The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas. 

* The scope of reimbursement for this benefit is based on the list maintained by Sanitas.

Downloads

  • Product sheets

    • Vital: Overview of benefits
    • Vital Basic product sheet
    • Vital Smart product sheet
    • Vital Premium product sheet

  • Terms of insurance

    • General terms of insurance for all supplementary insurance plans
    • Vital supplementary terms

  • Lists

    • List of medical aids and devices
    • List of uninsured drugs and products
    • List of preventive medical care
    • List of recognised therapy methods/conditions for alternative medicine
    • List of health promotion measures
    • List of additional forms of treatment, therapy and diagnostic services
    • List of parental benefits

Frequently asked questions

  • What is special about Vital Smart?

    In this category of insurance, you can also choose the amount of costs Sanitas should cover for alternative medicine per calendar year: either CHF 2,500 or CHF 5,000. You can also decide whether Sanitas should contribute CHF 400 or CHF 600 towards health promotion per calendar year.

  • Can I take out Vital supplementary outpatient insurance without a health check?

    When you wish to take out supplementary insurance, you are usually obliged by all health insurers to answer questions about your state of health. On the basis of this information, we decide whether and under what conditions we will accept your insurance application. However, there are exceptions: for example, when registering a child before birth.

  • What do I have to do to switch supplementary insurance?

    Do not terminate your existing supplementary insurance until you have received confirmation from us that you have been accepted for the new insurance. Please also note the periods of notice. Supplementary insurance plans can normally be terminated to the end of September, but certain policies are valid for several years.

  • Which category of insurance is most suitable for families?

    Vital Premium includes important benefits for children in particular, such as for orthodontics. For parents, all of the insurance categories represent a good choice – depending on your individual requirements. New parents, for example, benefit from antenatal and postnatal exercise classes, parent-child gymnastics or baby and child first aid courses.

  • Is it possible to switch category of insurance?

    Yes, that’s generally possible. If you want to switch to a higher category of insurance, e.g. from Basic to Smart, a health check is required. A health check is not required when switching to a lower category.