Supplemental Insurance Comparison 2027
Complement your basic insurance individually and secure top benefits for your health.
Why Supplemental Insurance Makes Sense
Mandatory basic insurance only covers primary medical care. With voluntary supplemental insurance (VVG), you secure crucial advantages that go beyond standard services. Whether alternative medicine, fitness contributions, or worldwide emergency protection – supplemental insurance closes the gaps in the Swiss healthcare system.
- ✔ Outpatient services: Cost coverage for glasses, contact lenses, and emergency transport.
- ✔ Dental treatments: High contributions towards check-ups and dental hygiene for adults and children.
- ✔ Prevention: Subsidies for gym memberships, massages, and preventive check-ups.
- ✔ Hospital comfort: Free choice of doctor in the hospital as well as accommodation in semi-private or private rooms.
- ✔ Complementary medicine: Coverage for osteopathy, acupuncture, and naturopathy.
Important Questions About Supplemental Insurance
Basic insurance (KVG) is mandatory and identical across all health funds. Supplemental insurance (VVG) is voluntary, offers individually selectable benefits, and is subject to a health check.
Yes. Since these are private law contracts, insurers conduct a risk assessment (health declaration). In the case of pre-existing conditions, an application may be rejected or subject to reservations.
As early as possible. The younger and healthier you are, the easier acceptance is without reservations. Especially for children, taking out supplemental dental insurance before the age of 3 is recommended.
Unlike basic insurance, longer notice periods usually apply here (often 3 or 6 months at the end of the year) and contract terms can span multiple years.
Key Categories at a Glance
Learn more about the different types of supplemental insurance.
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