Swiss supplementary insurance. More benefits, more comfort, more freedom of choice.
Hospital, dental, alternative medicine, vision aids or abroad protection: supplementary insurance varies by provider, tariff and acceptance conditions. We capture your needs and review suitable options.
Basic insurance covers the essentials. Everything else is supplementary.
Mandatory basic insurance guarantees core medical care in the general ward of your canton. If you want free choice of hospital, a private room, dental treatment or alternative medicine, you need supplementary insurance. It's fully modular — pick only the building blocks you actually need.
Health insurance comparison: KVG vs VVG, benefit by benefit.
Six typical benefits, directly compared. Tap a row to see the explanation and a real-world example for basic and supplementary insurance.
- Explanation
Basic insurance (KVG) only pays for the general ward in a listed hospital in your canton. With supplementary hospital insurance, depending on the tariff, you can choose hospital, doctor and room class more freely, across Switzerland.
ExampleExample: elective surgery in a private clinic with a two-bed room. Actual benefits and conditions depend on the tariff.
Check your supplementary insurance needs.
Use the premium calculator for basic insurance. For supplementary insurance we first capture your needs and then review suitable options.
Legal basis: basic insurance under KVG, supplementary insurance under VVG.
Six building blocks that really matter.
Pick exactly the benefits that fit your life. Combine freely or get free advice.
Semi-private & private hospital
Free choice of hospital across Switzerland, chief-physician treatment and one- or two-bed rooms with hotel comfort.
- Free choice of doctor & hospital
- One- or two-bed rooms
- Chief physician care
Dental & orthodontics
Partial benefits for dental treatment, implants, crowns and kids' braces, depending on the tariff.
- Care & correction
- Implants & crowns
- Braces for kids
Alternative medicine
Homeopathy, TCM, acupuncture, osteopathy and other recognised methods at certified therapists.
- TCM & acupuncture
- Osteopathy & homeopathy
- Recognised therapists
Vision aids (glasses, contacts)
Periodic contribution toward vision aids, possibly refractive surgery, depending on the tariff.
- Periodic vision contribution
- Possible laser contribution
- Also for kids
Outpatient & prevention
Check-ups, vaccinations, gym membership, nutrition coaching and preventive care beyond basic insurance.
- Gym contribution
- Check-ups & vaccinations
- Nutrition coaching
Travel & abroad
Worldwide coverage, emergency repatriation, cancellation costs and 24/7 emergency hotline.
- Worldwide emergency help
- Medical repatriation
- 24/7 hotline
Why supplementary insurance pays off.
Real freedom of choice
Pick hospital, doctor and therapist freely, no waiting lists.
Predictable costs
No nasty surprises for dental, eyewear or therapy.
More quality of life
Prevention, fitness and alternative medicine are co-financed.
Comfort during hospital stays
Private room, own bathroom and hotel service instead of a 4-bed ward.
Find the supplementary insurance that fits.
Pick your life situation. We'll show which building blocks really pay off for you.
Family with children
Kids need braces, glasses and sometimes a hospital stay — predictable cover.
- Dental & orthodontics
- Vision aids (glasses, contacts)
- Semi-private hospital
- Alternative medicine
We compare 34 Swiss health insurers
And many more — 34 Swiss health insurers compared in total.
What you should know about supplementary insurance.
Stubborn myths surround supplementary insurance. We set them straight, with clear facts.
- Myth
I can take out supplementary insurance any time later.
FactWrong. With age and pre-existing conditions it gets more expensive or impossible. Young, healthy people get the best terms.
- Myth
Basic and supplementary must be at the same insurer.
FactWrong. You can freely combine. It often pays to keep basic at a cheap insurer and supplementary at one with strong benefits.
- Myth
Supplementary hospital plans are only for the wealthy.
FactWrong. There are different models (general, semi-private, private, flex) with different needs and comfort. Actual premiums depend on tariff, age and provider.
- Myth
All supplementary plans are basically the same.
FactWrong. Benefits, co-payments, limits and accepted therapists differ significantly. A comparison can save hundreds of francs per year.
Three steps to the right supplementary insurance.
- 01
Clarify needs
Tell us what matters to you: hospital, dental, alternative medicine, vision aids, travel. Request in 2 minutes.
- 02
Review options
FINWIWO AG reviews which supplementary plans are fundamentally suitable for your needs.
- 03
Next steps
You receive personal feedback. A contract is only binding after review and acceptance by the insurer. Existing supplementary policies should only be cancelled once a new supplementary insurance has been accepted in writing.
For supplementary insurance there is no general obligation to accept applicants. The insurer may ask health questions, add exclusions or reject an application. So take out supplementary insurance while you are young and healthy, and only cancel existing policies once the new supplementary insurance has been accepted in writing.
Can supplementary insurance be compared the same way as basic insurance?
No. Basic insurance premiums are publicly comparable and approved by the FOPH. Supplementary insurance is voluntary, individually calculated and may involve health questions and acceptance conditions. That's why we review supplementary insurance separately.
Common questions about supplementary insurance.
The key answers in short. If anything's missing, get in touch — advice is free and personal.
- Basic insurance (KVG) is mandatory and gives everyone in Switzerland the same legal benefit catalogue. Supplementary insurance (VVG) is optional, modular and covers extra benefits like private hospital, dental, alternative medicine, eyewear or abroad protection.
Ready for a supplementary insurance that fits you?
Compare for free, no commitment. Our advice is always free, no fine print.
Krankenkassen-Vergleich.ch is a brand of FINWIWO AG. FINWIWO AG operates as a non-tied insurance intermediary and supports clients in comparing basic insurance premiums and in reviewing suitable supplementary insurance solutions.
Supplementary insurance is reviewed individually. FINWIWO AG supports clients in assessing suitable benefits and offers. For supplementary insurance, health questions, waiting periods, exclusions and acceptance conditions may be relevant.