The SWICA Healthcare Organisation

SWICA is one of Switzerland's leading health and accident insurers. We offer comprehensive cover for medical expenses and loss of earnings due to illness and accident. In basic insurance, private customers can choose between the standard model as defined in law, a range of alternative insurance models, and variable personal excesses. The basic insurance offering can be combined with needs-oriented supplementary insurance plans. Appropriate hospitalisation cover is also available for every life situation. Corporate clients can take out daily benefits and accident insurance with SWICA. The common feature of all SWICA’s offerings and services is that we deliver them with above-average service quality.

As a healthcare organisation, our focus is on the individual, not on an illness or accident. Our objective is the health of our customers – because health is everything. The more responsibility you take for your own health, the lower your premiums. We encourage our customers to invest regularly in their health and fitness and contribute up to 1'300 francs per year under the supplementary insurance plans towards relevant activities (go to detailed information).

As pioneers in illness prevention and health promotion we also offer the BENEVITA health platform. It makes a contribution towards raising health awareness. Customers who sign up for this integrated bonus programme collect bonus points by undertaking health-promoting activities. This in turn entitles them to a premium discount on some supplementary insurance plans.

In order to raise health awareness among the employees of our corporate clients, we advise and support companies in establishing or expanding professional occupational health management systems and in planning and implementing effective measures to promote health in the workplace. We also offer our corporate clients group contracts so that their employees can enjoy SWICA’s comprehensive offering and high service quality on favourable terms for their private health insurance.

santé24 is also involved in delivering preventive healthcare and customer support. Doctors and medical specialists provide advice around the clock – about appropriate medical checkups, for example. Checkups can be carried out at Medbase Medical Centres or SWICA partner practices.

Individuals who have been ill or who have been injured in an accident can make use of both conventional and complementary medicine. SWICA has always been in favour of finding the best possible combination of these two approaches. Individuals undergoing examinations and medical procedures must be confident that their treatment is based on a sustainable all-round approach to healthcare. We are convinced that treatment quality improves when a patient's therapy is properly coordinated, and we know from experience that this leads to cost savings (e.g. by cutting out duplicate examinations).

The Medbase Medical Centers and SWICA partner practices are an important, high-quality element of SWICA’s all-round offering. They provide our customers with access to this network of doctors and therapists. These conveniently located centres and practices work closely together with general practitioners and specialists.

With the BENECURA app, our insured persons can use the SymptomCheck to digitally get a recommendation on how to treat possible symptoms. During a subsequent phone call with sante24, they can decide for themselves whether to release their information from SymptomCheck to sante24.

Corporate client employees who fall ill or suffer an accident also receive intensive support in that they can rely on the services of a care manager during their recovery and return to work.

Illnesses and accidents can mean that not everything will be all right again – ever again. For people in these situations, more than for others, health becomes a lifelong task. We provide them with advice and practical support so that they can live as self-determined a life as possible, e.g. with our integrated care programmes. We integrate telemedicine, online coaching programmes, pharmacies, GP practices and specialist physicians to deliver professional care with the minimum of stress. For people with a disability who may need regular medical care, it is all the more important that we offer them medical care which is optimally adapted to their situation.

By encouraging people to adopt healthy lifestyles, ensuring that sick and injured people make a rapid recovery and helping people with disabilities to achieve the best possible quality of life, we create space for solidarity between the healthy and the sick, between women and men, and between young and old.

We also create this space by focusing our actions on effectiveness and efficiency in order to keep administrative costs as low as possible – by managing our assets responsibly, making investments that make us even better, entering into helpful collaborations, digitizing processes that do not need human intervention, and continually enhancing the knowledge and professionalism of our employees. In this way, we contribute towards the overall success of the Swiss healthcare system and towards reducing its costs.