Prescription sunglasses, what supplementary insurance reviews
Prescription sunglasses are treated differently by insurer and plan. Not every supplementary plan treats sunglasses the same as ordinary glasses. What is decisive are the specific policy conditions.
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- VVG
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Generally covered are sunglasses with an individual prescription, not purely fashion sunglasses.
An ophthalmological or optometric prescription and an itemised invoice are often a requirement.
Some plans treat sunglasses like ordinary prescription glasses, others set special conditions.
Waiting periods, limits, health questions and recognised points of purchase vary by insurer.
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 whether your prescription sunglasses may be considered in a supplementary insurance plan.
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 prescription sunglasses.
Specific benefits, limits, waiting periods and acceptance decisions depend on the insurer and plan.
What to look for when reviewing Prescription sunglasses.
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
- Prescription lens vs. fashion sunglasses: generally covered only with a prescription
- Self-tinting lenses: plan-dependent
- Sports or ski models with a prescription: special conditions may apply
- Clip-ons: often regulated separately
Terms & reservations
- Waiting period: may apply
- Health questions: possible
- Periodic limits: depending on the plan
- Reservations: possible after the acceptance decision
Proof & points of purchase
- Prescription: ophthalmological or optometric
- Itemised invoice: lens, frame, coating
- Recognised point of purchase: optician or ophthalmologist
- Intended use: consider everyday, driving, sport
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.
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Frequently asked questions, Prescription sunglasses.
The most important answers, compactly summarised. If anything is missing, we'll advise you free of charge.
Are sunglasses without a prescription covered?+
Generally no. Purely fashion sunglasses without an individual prescription usually do not count as an insurance-relevant vision aid.
Are prescription sunglasses treated like ordinary glasses?+
That depends on the plan. Some insurers treat prescription sunglasses like ordinary glasses, others set special conditions or cover them only to a limited extent.
Are sports and ski models with a prescription covered?+
Plan-dependent. Some products include sports or ski models, others treat them separately or exclude them.
Which documents are advisable?+
A current prescription and an itemised invoice with lines for lens, frame and coating make the review easier.
Can waiting periods apply?+
Yes, depending on the insurer and plan, waiting periods are possible, as are health questions and reservations.
Why is a consultation worthwhile?+
Because conditions vary considerably by product. A personal review helps identify plans that fit your needs.
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.