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SWICA is by your side

We support you with offers in the areas of exercise, nutrition and wellbeing so that you can lead a healthy life.

SWICA offers you all these benefits and more. Find out more now

 

Generous contributions towards your health

SWICA makes contributions of up to  francs a year (find out more) if you regularly participate in activities in the areas of exercise, nutrition and wellbeing.

Aerobics, aqua-fit or climbing – activities for your fitness and nutrition

These include: 

  • Memberships and classes 
  • Active memberships of sports clubs such as tennis or climbing
  • Nutritional advice
  • Personal training

Yoga, sauna or Qigong – activities for your wellbeing and relaxation

These include:

  • Classes: Yoga, breathwork, tai-chi, courses on medicinal plants
  • Treatments: Ayurvedic massage, shiatsu, music therapy
  • Bathing & saunas: Six-monthly and annual memberships for indoor pools, thermal baths and saunas

 See the Health promotion and prevention list for a full rundown of all the activities we support.

How we calculate your prevention contribution of up to 1'300 francs:

  • COMPLETA FORTE supplementary insurance: 90% of the costs, up to a maximum of 500 francs per calendar year (up to 300 francs per type of activity).
  • COMPLETA PRAEVENTA supplementary insurance: an additional 50% of the costs up to a maximum of 500 francs per year (up to 300 francs per type of activity).
  • OPTIMA supplementary insurance: covers 90% of the cost exceeding this amount, up to a maximum of 300 francs per calendar year.

Compare contributions

Calculate premiums quickly and easily online

Whether you're looking for basic or supplementary insurance, you can put together your individual package and calculate your personal BENEVITA bonus programme discount of up to 15% on selected supplementary insurance plans (learn more).

What our customers have to say

Monika Bini
«I’m a happy customer because SWICA makes generous contributions towards my gym and tennis club memberships. Also, when I submit doctors’ bills they are processed rapidly, and the money I’m owed is transferred to me quickly.»
Daniela Züger
«As a family, we’ve been insured with SWICA for years now and we're 100% satisfied! SWICA covers a large part of the cost of swimming lessons for our children. Our middle child goes to dances classes, and I was amazed to find that SWICA is the only health insurer which helps out with the cost. Fantastic!!!

But that's not all... SWICA was also there for us during an extremely difficult period. Our son became very ill when he was just 16 months old. My husband and I were given a parents’ room at the children’s hospital, even though I was no longer breastfeeding. The situation was looked into and a decision was taken to cover these costs. Really thoughtful and family-friendly. Ever since then we wouldn’t consider any other health insurer! You are the best! Our son has made a full recovery 😉.»
Melanie Grass
«The CHF 500 prevention contribution towards my gym membership is sensational and unbeatable.»
Christin Hoffmeyer
«Last year I started running, changed my diet and began taking better care of myself. So I was looking for an insurer which would support me in my new health-conscious lifestyle. As soon as I came across the BENEVITA bonus programme, my decision was made.»
Eliane Mäder
«The decision to remain with SWICA is based on decades of positive experience. I’m absolutely delighted with Benevita. I regularly take part in step competitions and I’m delighted if I come in the top eight. This membership has brought a positive dynamism into my life.»
Loris Hausammann
«I do a lot of sport in my spare time, so it’s important to me to have an insurance partner which supports me financially on that front. The range of services provided by SWICA is transparent and easy to understand, which suits me very well. I also like SWICA’s friendly professional staff and the easy-to-use invoice app.»
Ursina Gabathuler
«I’ve been insured with SWICA for as long as I can remember. Fortunately I’ve always enjoyed good health, and I intend to ensure that it stays that way. Thanks to the Completa Praeventa contribution towards my gym membership and my annual membership at the pool, I am more motivated to do something to stay in good physical health.»
Shi Rong Danielsson
«I joined BENEVITA in 2016 and it has changed my life completely. I put much effort into a healthy life, including exercise, food, sleeping and so on. Since then, I feel I am much healthier and happier both physically and mentally. Recently, I got my 300 healthies surprise, which make me more motivated to keep strong. Thank you SWICA for helping us in our healthy life.»
Jennifer Hoeffleur
«SWICA supports me in my efforts to live a healthy lifestyle. When I was trying out Bodypump with a friend, she told me that SWICA made generous contributions to her fitness club membership. So I also switched to SWICA, and am very happy I did. SWICA also provides support in the form of the BENEVITA bonus programme.»
Jacqueline Vera-Xiria Geiger
«The tips I received from the BENEVITA team made me aware of exactly what I had to change in my eating and exercise routines. It's true that I was taking a lot of exercise and eating appropriate foods, but the exercise I was doing turned out to be inefficient and I wasn’t eating enough protein. Now I’ve lost four kilos – my body is more toned and I’m pleased with how I look.»
Patricia Atz-Breslaw
«I've been more than satisfied for many years. Last year the BENEVITA health platform helped me a lot. I took myself in hand and lost 20 kilos, and I’ve been able to keep the weight off ever since. Now all I have to do is stay as healthy as I am now and live till I’m at least a hundred.»
Bernd Böhme
«The website is clear, straightforward and informative. I particularly like the BENEVITA app, which addresses interesting topics on a daily basis and really inspires me. All in all, I am a SWICA fan and try to persuade as many people as possible that, if they want to have the best possible partner for comprehensive health care at their side, they should do as I do and choose SWICA!»
Remo Walser
«Until a few years ago I didn’t do any exercise and was putting on weight. But that’s all in the past now. SWICA’s supplementary benefits encouraged me to become more active. Without SWICA I would be living an unhealthy life and be unhappy with my body. Thank you!»
Remo Kistler
«The Benevita Health Programme is really great because it motivates me to get more exercise in my daily life. And you can use the various challenges to compete with your friends.»
Tabea Neuhaus
«SWICA pays 800 francs towards my gym membership. And it offers the BENEVITA bonus programme which helps people who enjoy exercise and have a health-conscious lifestyle to keep their premiums down. I would recommend SWICA to anyone who is interested in exercise and health.»
Vivienne Audemars
«I’ve been a loyal and proud SWICA customer for several years now. Thanks to SWICA’s ideal supplementary insurance plan I had the opportunity following a snowboard accident to recover thanks to fitness centres, physiotherapy and massage centres. This has enabled me to get back to my passion – dancing.»
Aike Festini
«I do a CrossFit workout three or four times a week, enjoy swimming and love relaxing at spas. With my active lifestyle, SWICA is the ideal choice for me because it has something to offer in all these areas. I also like the straightforward digital information exchange.»
Denis Harran
«In SWICA, I’ve found the perfect advisor: competent, efficient and always available, whether it’s for providing advice on services, handling administrative matters or settling claims. My whole family is insured with SWICA. My wife and I are very keen to lead a healthy lifestyle, and take advantage of the tips that we get from the Benevita programme regarding our diet and physical activities.»
Thomas Pfiffner
«I've been a satisfied SWICA customer for many years now. I've been using TytoHome as a test customer since 2020. It's very useful and has also been very beneficial during the holidays. I'm convinced of the value of this product. I also appreciate SWICA's contribution towards my cross-country ski pass.»
Franca Roberti
«During my stay at the rehabilitation clinic following an accident, it was suggested to me that I work with a SWICA care manager, who would be responsible for helping me to find the support I needed to cope as best I could with my return home. I weighed up the suggestion together with my family and we decided to accept. We were incredibly glad we did. We met someone who was really friendly, very well prepared and equally helpful, who found the right solutions and the right forms of support for me. These allowed me to regain my “independence” one year down the line.
It was a very positive experience that I would have no hesitation in recommending.
I would like to thank my care manager and SWICA.»

Benefit now from personal advice until 21:00

Our SWICA advisors are there for you – now also in the evenings until 21:00 from Monday to Friday. Together, we can find the optimum insurance cover for you:

 

Switching to SWICA couldn't be easier. Our advisors will take care of all the formalities – including cancelling your current insurance.

Request insurance advice

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Calls are returned during business hours.

* We need this information so that your regional SWICA agency can put together a personalised insurance offer for you.

Frequently asked questions 

Basic insurance is mandatory for all residents of Switzerland and ensures that everyone has access to basic medical care relating to illnesses, accidents and maternity.

Supplementary insurance, on the other hand, is voluntary and provides benefits that basic insurance (mandatory cover) does not cover or only partially covers. When it comes to complementary medical care, fitness, vaccinations, dental treatment and glasses, among other things, supplementary insurance from SWICA not only enables you to extend your cover to suit your needs but also makes you eligible for attractive contributions towards health promotion and prevention measures.

There is a basic distinction between two categories of supplementary insurance: Supplementary outpatient health insurance and supplementary hospitalisation insurance.

A hospitalisation policy provides supplementary cover that, depending on the plan, offers you more choice in the hospital or the doctor who treats you and provides additional comfort and preferential access to top-quality medicine.

What hospitalisation insurance does SWICA offer?

As basic insurance is mandatory in Switzerland, every resident must have such a policy and insurers are obligated to accept anyone who applies for basic cover.

Unlike in the case of basic insurance, health insurers can choose who to accept into the supplementary insurance. In order to be accepted for supplementary insurance, prospective insured persons must complete a health questionnaire. This makes it possible for the health insurer to decide whether to accept, reject, or accept conditionally an application for supplementary cover (e.g. as in the case of pre-existing conditions). Important: Do not terminate your contract with a previous insurer until you have received confirmation of acceptance from the new insurer.

No. In principle you can have basic and supplementary cover from different health insurers. However, there are advantages to combining both types with SWICA.

SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, which means the annual co-payments will be much lower when compared to other health insurers.

Basic healthcare insurance includes benefits as laid out in the Federal Health Insurance Act (KVG). Accordingly, all health insurers in Switzerland must offer the same basic insurance benefits.

The benefits for supplementary insurance are subject to the Federal Insurance Contract Act (VVG), which prescribes only the basic aspects of the cover but not the individual benefits. Therefore, benefits will vary from insurer to insurer.

Yes, provided you are registered with the unemployment insurance fund. In this case you are insured with SUVA against occupational and non-occupational accidents. If this is not the case, you must contact your SWICA customer service for a personal consultation.

Request advice
Employees who work more than eight hours a week for one employer are mandatorily insured against occupational and non-occupational accidents through that employer. If you work less than eight hours a week, you can request accident cover from SWICA by contacting your customer service or using the online form.