Swiss supplementary insurance. More benefits, more comfort, more freedom of choice.
Hospital, dental, alternative medicine or eyewear. We compare the supplementary plans of every Swiss insurer and find the right policy for your life in 2 minutes.
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.
- Explanation
Basic insurance (KVG) only pays for the general ward in a listed hospital in your canton. With supplementary hospital insurance you choose hospital, doctor and room class freely, nationwide.
ExampleExample: hip surgery in a Zurich private clinic, two-bed room, chief physician. With no supplement: CHF 0 covered. With semi-private: up to 100%.
Get your personal health insurance comparison in 2 minutes.
Calculate your premium for basic and supplementary insurance, or use our free switching service — we handle cancellation and application for you.
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
Up to 75% coverage for dental treatment, implants, crowns and orthodontics for children.
- Up to 75% reimbursement
- Implants & crowns
- Braces for kids
Alternative medicine
Homeopathy, TCM, acupuncture, osteopathy and 25+ recognised methods at certified therapists.
- TCM & acupuncture
- Osteopathy & homeopathy
- Up to CHF 5,000 / year
Vision aids (glasses, contacts)
Annual contribution toward vision aids, laser surgery and contact lenses, even without a prescription.
- Annual vision contribution
- Laser surgery included
- Also for kids
Outpatient & prevention
Check-ups, vaccinations, gym membership, nutrition coaching and preventive care beyond basic insurance.
- Gym up to CHF 800
- 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 every relevant Swiss health insurer.
Over 30 insurers, independent and transparent. You see all options, not just the ones with the highest commissions.
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. From around CHF 25 per month you get flex plans with nationwide free hospital choice. Semi-private starts at about CHF 80.
- 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: hospital, dental, alternative medicine, travel. Takes 2 minutes.
- 02
Compare offers
We pull non-binding offers from 30+ insurers and present them side by side.
- 03
Sign up
You decide. We handle the application, health questions and cancellation of your old policy.
Take out supplementary insurance while young and healthy. Premiums and refusal risk rise with age. Even for newborns, signing up early pays off.
Kann man Zusatzversicherungen gleich vergleichen wie die Grundversicherung?
Nein. Grundversicherungsprämien sind öffentlich vergleichbar und vom BAG genehmigt. Zusatzversicherungen sind freiwillig, individuell kalkuliert und können Gesundheitsfragen sowie Annahmebedingungen enthalten. Deshalb prüfen wir Zusatzversicherungen separat.
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.