Semi-private or private hospitalisation insurance with global cover

Basic insurance with free choice of doctor

Under classic STANDARD basic insurance you always have a free choice of doctor. In addition to the STANDARD model, SWICA offers other basic insurance models which enable you to benefit from attractive premium discounts. The scope of cover is the same for all basic insurance models; the only difference is the choice of contact point.

To the alternative models

Overview


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Buy health insurance online

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

Benefits included in basic insurance

The various basic insurance models all offer the same benefits. The only difference between the models is the choice of first point of contact for medical questions. The benefits provided under basic insurance include:

  • Conventional medical treatment and complementary medicine
  • Hospital stays in the general ward
  • Emergency transport and search and rescue operations
  • Treatment abroad in emergencies

All benefits in detail

How the standard model works

The classic form of mandatory basic insurance covers you for the cost of outpatient treatment and treatment in the general ward of a contract hospital in your canton of residence.

  • You have a free choice of doctor anywhere in Switzerland and can consult your doctor directly
  • Initial consultation from the doctors and medical specialists at santé24 on +41 44 404 86 86 also possible any time
  • Optimise your premiums: switch to one of the alternative basic insurance models and benefit from attractive premium discounts

To the alternative models

Frequently asked questions about the standard model

The scope of cover is the same for all basic insurance models; the only difference is the choice of contact point. With STANDARD you decide before each visit to the doctor which doctor or specialist you want to consult. In addition, SWICA offers other basic insurance models which enable you to benefit from attractive premium discounts.

To the alternative models
If needed, the doctors and medical staff at santé24 will be glad to answer your questions 24 hours a day on +41 44 404 86 86.
In an emergency you can go directly to an emergency centre or hospital. The doctors and medical staff at santé24 will also be glad to advise you on +41 44 404 86 86, around the clock.
You can benefit from attractive premium discounts by choosing an alternative basic insurance model. By increasing the excess you can cut your premiums even further. SWICA also offers family discounts for children and young people.

Discover all the ways to optimise your premium


You can also benefit from lower co-payments if you have also taken out any supplementary insurance with SWICA. SWICA is the only health insurance company that applies co-payments from SWICA basic insurance to SWICA supplementary insurance. This means your maximum annual co-payment is significantly lower than it would be with other health insurers.

More about the combination advantage
Overview of benefits – all offers (PDF)
General Insurance Conditions (GIC) KVG (PDF)

Exclusive services and advantages free to all SWICA customers

  • Free, 24-hour telemedicine service from santé24 doctors and medical staff
  • SWICA customer service available 24/7 in Switzerland and abroad
  • Expert advice on medication, exercise, nutrition, medicinal plants and vaccinations
  • active4life programme with 100 benefits and discount offers at selected partners

Discover all of the advantages

Insurance advice until 21:00

Take advantage of comprehensive insurance advice: SWICA employees will be glad to answer your questions by telephone, even in the evenings until 21:00, Monday to Friday. Also via online video consultation on request. Call +41 58 800 99 33

Book appointment online Calculate your premium

Outstanding customer satisfaction

Comparis, K-Tipp, bonus.ch and AmPuls - 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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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.

Increase your protection with our supplementary insurance plans

Complementary medicine, fitness, vaccinations, dental work, glasses and more: With SWICA's supplementary insurance plans, you can extend your cover to suit your needs and receive attractive contributions towards health promotion and preventive healthcare.

Optimise your basic insurance premium

Reduce your premiums without compromising on quality and enjoy favourable conditions. Here you will find tips on how you can influence your premium yourself, and benefit from substantial discounts and price advantages.

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.

Increase your protection with our supplementary insurance plans

Complementary medicine, fitness, vaccinations, dental work, glasses and more: With SWICA's supplementary insurance plans, you can extend your cover to suit your needs and receive attractive contributions towards health promotion and preventive healthcare.

Optimise your basic insurance premium

Reduce your premiums without compromising on quality and enjoy favourable conditions. Here you will find tips on how you can influence your premium yourself, and benefit from substantial discounts and price advantages.

What our customers have to say

Beatrice Grolimund
«I’ve been with SWICA since 1955; before that I was with ZOKU. I’ve never regretted making the change. SWICA’s benefits are comprehensive and effective. So, if you get sick, this gives you a good feeling, which helps you get back on your feet more quickly.»
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Mattia Baldi
«My family and I trust in SWICA. I was a professional ice hockey player for 14 years and accidents were the order of the day. Our medical team always looked after us extremely well. After my sports career ended, I decided that I wanted the same care and security for my family and myself. With SWICA I’ve found the ideal partner for my family.»
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Marcel Sowa
«Whether it’s processing doctors’ bills or getting help in choosing a doctor, we always have a helpful and professional point of contact. Actually, we hope that we will never need SWICA, but in the final analysis it’s good to know that we can rely on it.»
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Marion Heinemann
«I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.»
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Oliver Etter
«The people at SWICA are always very friendly and helpful when I contact them and provide me quickly with the information I need. I know that there are other insurers with lower rates, but I've always appreciated SWICA's service. The fact that I've been with them for years clearly says a lot.»
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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.»
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Theresa Blüder
«I came to Switzerland from Germany in 2017 to join my boyfriend. I signed up with SWICA thanks to positive recommendations. I had the feeling right from the start that SWICA was the right insurer for me. I was offered exactly what I wanted and at a fair price!»
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Urs Dübendorfer
«The whole family has been impressed with the professional and expert advice we get from SWICA. SWICA are there to advise and support us. This is a health insurer you can rely on. You can really feel that they care about the health of their customers.»
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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.»
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Max Gugger
«SWICA gave me all-round support when I had an accident abroad. It was a great relief»
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Florian Allenspach
«A health insurer shows its real qualities when you become ill. When I had surgery on my back seven years ago SWICA was always there for me. I benefited from preferential treatment in the hospital and straightforward processes. I can warmly recommend SWICA to anyone.»
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