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.
100+
health promotion
offers
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.
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).
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:
- Personal consultation at your local SWICA agency
- Call us free on 0800 80 90 83
- Or write to us
Switching to SWICA couldn't be easier. Our advisors will take care of all the formalities – including cancelling your current insurance.
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.
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.
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