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Supplementary outpatient insurance as a complement to basic insurance

You can extend your insurance cover and fill the gaps in basic insurance with supplementary outpatient insurance from SWICA.

Buy supplementary insurance online

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

Based on COMPLETA TOP or COMPLETA FORTE supplementary outpatient insurance

COMPLETA TOP or COMPLETA FORTE provide the basis for your supplementary outpatient insurance. COMPLETA FORTE offers even more generous benefits than COMPLETA TOP for complementary therapies, glasses, contact lenses, emergency transport, and search and recovery operations. With COMPLETA FORTE, you also benefit from substantial contributions towards health promotion and prevention.

A comparison of COMPLETA TOP and COMPLETA FORTE

Basic insu­rance benefits
Benefits under COMPLETA TOP supple­mentary insurance
Benefits under COMPLETA FORTE supple­mentary insurance
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

Plus breastfeeding benefit CHF 200 per child and 90% up to CHF 300 per year from health promotion for antenatal and post-natal exercises

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)

Up to CHF 120/hour with SWICA-recognised doctors and therapists (details co-payments)

Health promotion and preventive healthcare

90% up to CHF 500 per year, up to CHF 300 per type of preventive care (as per separate list)

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
90% of optician’s bills, up to CHF 900 every 3 years, cannot be combined with benefits from basic insurance
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
  • Emergency transports/transfers together with the benefits from basic insurance (Switzerland): + 90% up to CHF 100'000 per year
  • Search and rescue operations (Switzerland): Up to CHF 100'000 per year
  • Search and rescue operations (abroad): Up to CHF 150'000 per year

Please note that you can take out either COMPLETA TOP or COMPLETA FORTE.

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»).

Further extend your insurance cover

Before you can enjoy additional supplementary outpatient cover, you need to purchase COMPLETA TOP or COMPLETA FORTE.

FAQ regarding outpatient insurance plans

Which medicines will my health insurer pay for?

Will my health insurer pay for traditional Chinese medicine (TCM)?

How much does my health insurer pay towards glasses?

How much does my health insurer pay towards children’s glasses?

Does my health insurer pay for contact lenses?

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

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
How your premium discount breaks down
The BENEVITA discount is based on the level you reached individually, as shown in the app. The Special Conditions explain the details of the BENEVITA programme. You earn points by completing challenges. All three discount levels must be achieved to benefit from the highest BENEVITA discount. This means collecting a total of 2'500 points.

Supplementary insurances COMPLETA TOP
COMPLETA FORTE
HOSPITA
(excluding HOSPITA GENERAL)
Grado discount 1: 300 points 5% discount 5% discount
Grado discount 2: plus 700 points 5% discount 10% discount
Grado discount 3: plus 1'500 points 5% discount 15% discount

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