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Supplementary insurance for complementary medicine

Benefits under COMPLETA TOP supplementary insurance

All benefits provided by COMPLETA TOP supplementary insurance are described in detail here. COMPLETA TOP can be extend further with benefits from COMPLETA PRAEVENTA, OPTIMA and SUPPLEMENTA supplementary insurances.
Basic insu­rance benefits
Benefits under COMPLETA TOP supple­mentary insurance
Medicines
As per statutory lists of medicines with doctor’s prescription (for use within the indication) (details co-payments)
Complemen­tary medicine

Anthroposophic medicine, acupuncture, TCM pharmacotherapy, homeopathy and phytotherapy: costs covered based on the rate of the canton of residence for doctors (SWICA therapist directory) certified (FMH) in the discipline (details co-payments)

Up to CHF 80/hour with SWICA-recognised doctors and therapists (details co-payments)

Maternity
  • No co-payments for maternity benefits in accordance with the Health Care Benefits Ordinance.
  • No co-payments for treatment of illness from the 13th week of pregnancy up to and including the 8th week after the birth.

Plus breastfeeding benefit CHF 200 per child

Home help
50% up to CHF 30/day, max. 60 days per year
SPA treatment
CHF 10 per day, 21 days per year (details co-payments)
Plus CHF 30/day, max. 30 days per year
Convalescence cures
CHF 20/day, max. 30 days per year
Psychotherapy
Psychotherapy with a specialist; medically prescribed psychological psychotherapy (details co-payments)
90% up to CHF 50 per session, up to 60 sessions per year with SWICA-recognised psychotherapists
Glasses or contact lenses
CHF 180 per year up to the age of 18 (under the provisions of the Health Care Benefits Ordinance, details co-payments)
90% of optician’s bills, up to CHF 200 every 3 years, cannot be combined with benefits from basic insurance
Medically prescribed aids
Statutory list of aids and appliances (details co-payments)
90% up to CHF 200 per year, as per separate list
Emergency transport and medically indicated transport, search and rescue operations
  • Emergency transports/transfers together with the benefits from basic insurance (Switzerland): + 90% up to CHF 20'000 per year
  • Search and rescue operations (Switzerland): Up to CHF 20'000 per year
  • Search and rescue operations (abroad): Up to CHF 50'000 per year
Repatriation

Full cover

Treatment abroad
Costs covered in emergencies up to double the rate based on the recognised rate for Switzerland or as per bilateral agreement with EU/EFTA countries (details co-payments)

Full cover for outpatient and inpatient treatment in emergencies (private hospital category for the first 3 months of travel, details co-payments)

Dental treatment costs, dental hygiene
In the case of serious illnesses of the masticatory system or if the treatment is related to a very serious general illness. Cover in the event of dental accident, if accident cover is in place (details co-payments)

50% up to CHF 100 per year

Orthodontics
Under certain legal conditions (details co-payments)

50% up to CHF 10'000 per year as per UVG rate up to age 25

Co-payments in basic insurance:
SWICA charges the co-payments prescribed by law or defined in the contract for these benefits.

Co-payments in COMPLETA TOP or COMPLETA FORTE:
Under the General Insurance Conditions (GIC) and Supplementary Conditions (SC), adult customers can choose between no excess and an excess of CHF 600 for these benefits. Children below the age of 18 are exempt from any excess. All insured persons are subject to a deductible of 10% (max. CHF 700 for adults and CHF 350 for children). Any co-payments already made under mandatory healthcare insurance are carried over (see «SWICA advantage»).

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