Lenses, frame and coating, what supplementary insurance reviews
Lens, frame and coating are treated differently by insurer and plan. Some plans cover individual components, others combine them. An invoice with clearly itemised lines makes the review easier.
- Plan-dependent
- VVG
- list clearly
- Items
- insurers compared
- 30+
- start a request
- 2 min
Single-vision, varifocal or thin high-index lenses are covered differently depending on the plan.
With some products, a frame-only replacement is also covered, depending on the plan and conditions.
Anti-reflective coating, hardening, blue-light filter or self-tinting lenses are not covered across the board. Please check.
An invoice with separate lines for lens, frame and coating makes the review easier.
Note: Supplementary insurance is governed by the VVG (Federal Insurance Contract Act). Depending on the insurer and plan, health questions, waiting periods, benefit limits, exclusions or reservations may apply. A contract is only binding once the insurer has accepted it.
Let us check which plan logic fits lenses, frame and coatings.
Please do not enter any medical diagnoses or confidential health details here. If such information is needed later, it will be clarified separately in the advisory process or by the insurer.
What to look for with lens, frame and coating.
Name the lens type
Single-vision, varifocal or special designs: plans regulate lens types differently.
List the coating separately
Anti-reflective coating, hardening, blue-light filter or self-tinting lenses are not covered across the board.
List the frame cleanly
For a frame-only replacement, the plan decides whether a contribution is possible.
Enclose the prescription
An ophthalmological or optometric prescription may be required.
What to look for when reviewing Lenses and frame.
Instead of fixed amounts, what counts is the entire plan logic: scope of benefits, terms, waiting periods, health questions, recognised points of purchase and the fit with your personal needs.
Scope of benefits
- Lens: single-vision, varifocal, high-index, special varifocal designs
- Frame: included or covered separately, as applicable
- Coating: anti-reflective, hardening, blue-light filter, photochromic
- Special varifocal designs: plan-dependent
Terms & reservations
- Waiting period: may apply
- Health questions: possible
- Periodic limit: e.g. per year or period
- Reservations: possible depending on the acceptance decision
Proof & points of purchase
- Itemised invoice: lens, frame, coating separately
- Prescription details: dioptres, axes, add where applicable
- Recognised point of purchase: optician or ophthalmologist
- Prescription: may be required
FINWIWO AG operates as an insurer-neutral insurance broker. Specific benefits, limits and terms vary by insurer and plan. We review relevant Swiss insurers and present suitable options transparently and comprehensibly.
We compare 34 Swiss health insurers
And many more — 34 Swiss health insurers compared in total.
Related topics in the health insurer comparison.
Frequently asked questions, Lenses and frame.
The most important answers, compactly summarised. If anything is missing, we'll advise you free of charge.
Are lens and frame covered together?+
That depends on the specific plan. Some products run a shared benefit budget, others differentiate between lens and frame. What matters are the conditions of your policy.
Are coatings such as anti-reflective or blue-light filter included?+
Coatings are not covered across the board. Depending on the plan, individual coatings may be included or excluded. Please check specifically.
What happens with a frame-only replacement?+
Some products also cover a frame-only change, others require a combined glasses purchase. The answer is on the plan sheet.
What should the invoice look like?+
An invoice with separate lines for lens, frame and coating, plus details of the prescription and point of purchase, is advisable.
Can limits or waiting periods apply?+
Yes, depending on the insurer and plan, periodic benefit limits and waiting periods are possible.
Why is a personal review worthwhile?+
Because the rules for lens, frame and coating differ considerably by product. A personal review helps find a suitable solution.
Ready for the right vision-aid protection?
Start the request in 2 minutes. The personal review happens after submission. Waiting periods and acceptance conditions may apply depending on the insurer and plan; a contract is only binding once the insurer has accepted it.