Supplementary outpatient insurance as a complement to basic insurance

You can extend your insurance cover and fill the gaps in basic insurance with supplementary outpatient insurance from SWICA.

Product highlights

Our needs-oriented supplementary plans

Hospita: comprehensive and flexible hospitalisation insurance from semi-private to private ward
Completa Top: Closes the gaps between mandatory basic insurance
Praevita: Offers attractive contributions towards health promotion
Supplementa: You benefit from generous contributions towards the cost of glasses and contact lenses
Optima: Maximum contributions towards vision aids, health promotion and treatment abroad
Denta dental insurance: Offers attractive contributions toward dental treatment and dental hygiene
Infortuna accident insurance: Your worldwide private insurance for patients in the event of an accident
Exclusive SWICA services under the supplementary insurance plans

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Buy supplementary insurance online

Use our premium calculator to put together your insurance cover in just a few clicks and then complete your purchase online.

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Based on Completa Top or Completa Forte supplementary outpatient insurance

Completa Top or Completa Forte provide the basis for your supplementary outpatient insurance. Completa Forte offers even more generous benefits than Completa Top for complementary therapies, glasses, contact lenses, emergency transport, and search and recovery operations. With Completa Forte, you also benefit from substantial contributions towards health promotion and prevention.

Please note that you can take out either Completa Top or Completa Forte.

Co-payments in basic insurance:
SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.

Co-payments in Completa Top or Completa Forte:
Under the General Insurance Conditions (GIC) and Supplementary Conditions (SC), adult customers can choose between no excess and an excess of CHF 600 for these benefits. Children below the age of 18 are exempt from any excess. All insured persons are subject to a deductible of 10% (max. CHF 700 for adults and CHF 350 for children). Any co-payments already made under mandatory healthcare insurance are carried over (see «SWICA advantage»).

Further extend your insurance cover

Before you can enjoy additional supplementary outpatient cover, you need to purchase Completa Top or Completa Forte.

Comprehensive supplement for higher demands

Maximum contributions towards glasses, contact lenses, health promotion and prevention. You also enjoy private cover for outpatient treatment abroad.

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Attractive contributions towards prevention and fitness

Enjoy generous contributions towards health promotion and prevention, vaccinations and medical check-ups for optimum preventive healthcare.

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Generous contributions toward glasses and contact lenses

Enjoy generous contributions towards glasses and contact lenses to improve your everyday visual comfort.

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FAQ regarding outpatient insurance plans

Your health insurer will only pay for medicines that have been prescribed by a doctor. For the costs to be covered under basic insurance, a medicine must be included in the special medicines list or produced using a prescribed formulation in accordance with the medicines list with tariff. The Federal Office of Public Health decides which medicines are included in the lists.

Under the Completa Top and Completa Forte supplementary outpatient insurance plans, SWICA also contributes towards the costs of medicines in the following cases:

Homeopathic, phytotherapeutic and anthroposophic preparations prescribed by a SWICA-recognised doctor or therapist
Medically indicated products (when used for the given indication), if not covered by basic insurance

The costs of traditional Chinese medicine will be covered provided that the treatment is administered by a qualified doctor. They must also be certified in the use of alternative methods.

If this is not the case, outpatient insurance can plug the gaps in basic insurance. Under the Completa Top, Completa Forte and Optima supplementary insurance plans, SWICA contributes to the costs of complementary medical treatment. The treatment must be administered by a SWICA-recognised therapist.

Under basic insurance, SWICA will pay CHF 180 annually up to the age of 18 towards the costs of contact lenses and children’s glasses. Higher contributions are only paid in the event of severe sight defects or illness. If more comprehensive contributions are required, it is advisable to take out supplementary insurance. SWICA’s Completa Top, Completa Forte, Optima and Supplementa outpatient insurance plans offer different levels of benefits.

With the Completa Top and Completa Forte supplementary insurance plans, SWICA pays contributions for children under the age of 18 as long as no contributions have been received from mandatory health insurance in the last three years for vision aids.

Under basic insurance, SWICA will pay CHF 180 annually towards the costs of contact lenses and children’s glasses up to the age of 18. Higher contributions are only paid in the event of very severe sight defects or of illness.

If more comprehensive contributions are required, it is advisable to take out supplementary insurance. SWICA’s Completa Top, Completa Forte, Optima and Supplementa outpatient insurance plans offer different levels of benefits.

**Contributions of up to CHF 1'300* towards health-promoting activities**

Benefit from generous contributions towards health-promoting activities. SWICA will contribute up to CHF 1'300* per year depending on your chosen supplementary insurance plans. Praevita can only be taken out in combination with Completa Top or Completa Forte.

_{*This is how your prevention contribution is calculated:

Completa Forte: 90% of the costs up to CHF 500
Praevita: 50% of the costs up to CHF 500
Optima: 90% of the remaining costs up to CHF 300}

Downloads & directories

The full range of health promotion and preventive healthcare services supported by SWICA

Directory of therapists

Directory of fitness centres

Directory of course instructors

Directory of dance schools

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Even better cover

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Supplementary dental insurance for a beautiful smile

Your teeth can cause a lot of pain – also financially. A Denta plan will help maintain the health of your teeth – and of your budget.

More freedom of choice and comfort while in hospital

Opt for more freedom in your choice of hospital and doctor and for more comfort and preferential access to top medical care - with Hospita Semi-Private, Hospita Private or BestMed worldwide private hospital insurance.

Find out more

Save on premiums with discounts and a lower co-payment

If you have taken out both basic and supplementary insurance with SWICA, you automatically enjoy reduced co-payments. Combining your cover with a Santé basic insurance model also enables you to reduce your premium for hospitalisation insurance by 15%.

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Exclusive services and advantages for SWICA customers with supplementary insurance

Over 100 offers and contributions of up to 1'300 francs per year for health-promoting activities and preventive healthcare (find out more)
Support from alternative therapy methods thanks to the equal consideration of conventional and complementary medicine
Discounts and the innovative TytoHome telemedicine device for medical examinations at home

Free services

Switch to the number 1 in customer satisfaction now

Comparis, bonus.ch, AmPuls and moneyland.ch – in comparisons of health insurers, SWICA outperformed all the major Swiss health insurers to secure first place overall for customer satisfaction. You too can place your trust in SWICA and benefit from the exclusive advantages it offers.

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Save 5% on premiums

The Benevita app motivates you to exercise more, take time to relax, and eat better. Not only do you benefit from a healthy lifestyle, you also get a 5% discount on Completa Top and Completa Forte supplementary insurances so you can lower your premiums.

Learn more about the detailed discounts

How your premium discount breaks down

The Benevita discount is based on the level you reached individually, as shown in the app. The Special Conditions explain the details of the Benevita programme. You earn points by completing challenges. All three discount levels must be achieved to benefit from the highest Benevita discount. This means collecting a total of 2'500 points.

Supplementary insurances	Completa Top Completa Forte	Hospita (excluding Hospita General)
Grado discount 1: 300 points	5% discount	5% discount
Grado discount 2: plus 700 points	5% discount	10% discount
Grado discount 3: plus 1'500 points	5% discount	15% discount