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Doctor's visits abroad under supplementary insurance

Benefits under OPTIMA supplementary insurance

All benefits provided by OPTIMA supplementary insurance are described in detail here. OPTIMA is available in combination with COMPLETA TOP or COMPLETA FORTE and can be extend further with benefits from COMPLETA PRAEVENTA and SUPPLEMENTA supplementary insurances.
Basic insu­rance benefits
Benefits under OPTIMA and COMPLETA TOP supple­mentary insurance
Benefits under OPTIMA and COMPLETA FORTE supple­mentary insurance
Outpatient treatment, conventional medicine
Conventional medical treatment using non-contractual physicians worldwide (details co-payments)
Conventional medical treatment using non-contractual physicians worldwide (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)

In addition to basic insurance full cover with SWICA-recognised doctors and therapists (details co-payments)
In addition to basic insurance full cover with SWICA-recognised doctors and therapists (details co-payments)
Medical check-ups
Preventive measures under the provisions of the Health Insurance Benefits Ordinance, gynaecological check-up every 3 years (details co-payments)
In addition to basic insurance 90%, no limit on amount, as per separate list
In addition to basic insurance 90%, no limit on amount, as per separate list
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.
Conventional medical treatment using non-contractual physicians as well as midwives, plus a breastfeeding benefit of CHF 200 per child

Together with COMPLETA ­PRAEVENTA:
Antenatal and post-natal exercises; up to CHF 600 per year from health promotion
Conventional medical treatment using non-contractual physicians as well as midwives, plus a breastfeeding benefit of CHF 200 per child

Together with COMPLETA ­PRAEVENTA:
Antenatal and post-natal exercises; 50% up to CHF 900 per year from health promotion
Health promotion and preventive healthcare
90% up to CHF 300 per year, as per separate list

Together with COMPLETA PRAEVENTA:
As per separate list up to CHF 800 per year, up to CHF 600 per type of preventive care (calculation examples)
90% up to CHF 800 per year, as per separate list

Together with COMPLETA PRAEVENTA:
As per separate list up to CHF 1'300 per year, up to CHF 900 per type of preventive care (calculation examples)
Inoculation and travel vaccination
Vaccinations under the provisions of the Health Care Benefits Ordinance (details co-payments)
In addition to basic insurance 90%, amount unlimited
In addition to basic insurance 90%, amount unlimited
SPA treatment
CHF 10 per day, 21 days per year (details co-payments)
In addition to basic insurance CHF 60/day, up to 30 days per year
In addition to basic insurance CHF 60/day, up to 30 days per year
Convalescence cures
CHF 50/ day, up to 30 days per year
CHF 50/ day, up to 30 days per year
Psychotherapy
Psychotherapy with a specialist; medically prescribed psychological psychotherapy (details co-payments)
90% up to CHF 75 per session, up to 60 sessions per year with SWICA-recognised psychotherapists
90% up to CHF 75 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)
In addition to basic insurance 90% up to CHF 500 every 3 years (benefits from COMPLETA TOP cannot be cumulated with those from basic insurance)

Together with SUPPLEMENTA:
90% up to CHF 800 every 3 years
In addition to basic insurance 90% up to CHF 1'200 every 3 years (benefits from COMPLETA FORTE cannot be cumulated with those from basic insurance)

Together with SUPPLEMENTA:
90% up to CHF 1'500 every 3 years
Medically prescribed aids
Statutory list of aids and appliances (details co-payments)
In addition to basic insurance 90% up to CHF 500 per year, as per separate list

Together with SUPPLEMENTA:
90% up to CHF 1’000 per year, as per separate list
In addition to basic insurance 90% up to CHF 500 per year, as per separate list

Together with SUPPLEMENTA:
90% up to CHF 1’000 per year, as per separate list
Emergency transport and medically indicated transport, search and rescue operations
In addition to basic insurance for Switzerland: Emergency transport and transfers 90% up to CHF 40’000 per year, together with the benefits from basic insurance; search and rescue operations up to CHF 20’000 per year

Abroad: search and rescue missions up to CHF 50'000 per year; emergency transport up to CHF 70'000 per year

Together with SUPPLEMENTA:
Emergency transport and transfers 90% up to CHF 60'000 per year (Switzerland) or 90% up to CHF 90'000 per year (abroad)
In addition to basic insurance for Switzerland: Emergency transport and transfers 90% up to CHF 120’000 per year, together with the benefits from basic insurance; search and rescue operations up to CHF 100’000 per year

Abroad: search and rescue missions up to CHF 150'000 per year; emergency transport up to CHF 170'000 per year

Together with SUPPLEMENTA:
Emergency transport and transfers 90% up to CHF 140'000 per year (Switzerland) or 90% up to CHF 190'000 per year (abroad)
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 treatment (not including dental treatment, details co-payments) and full cover for inpatient treatment in emergencies (private hospital category for the first 3 months of travel, details co-payments)
Full cover for outpatient treatment (not including dental treatment, details co-payments) and full cover for inpatient treatment in emergencies (private hospital category for the first 3 months of travel, details co-payments)

Co-payments in basic insurance and OPTIMA:
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»).

Contributions of up to CHF 1'300* towards health-promoting activities

Benefit from generous contributions towards health-promoting activities. SWICA will contribute up to CHF 1'300* per year depending on your chosen supplementary insurance plans. COMPLETA PRAEVENTA can only be taken out in combination with COMPLETA TOP or COMPLETA FORTE.

*This is how your prevention contribution is calculated:
COMPLETA FORTE: 
90% of the costs up to CHF 500
COMPLETA PRAEVENTA: 50% of the costs up to CHF 500
OPTIMA: 90% of the remaining costs up to CHF 300

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