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.
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
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
We are happy to advise you
Would you like more information on SWICA or a personal consultation? Client Services would be happy to assist. Call us on +41 58 800 99 33 or send us a message using the contact form below.Request a consultation Calculate your premium
