In addition to the mandatory health insurance, a patient may obtain supplementary insurance and thereby cover the costs that go beyond the basic insurance coverage.
For inpatient coverage it is mainly in the area of free choice of hospital (outside Canton of residence) and a higher insurance category (semi-private, private).
No insurance categories exist for outpatient treatment. The benefits are the same for all patients. For conventional medicine tariffs as determined by law, e.g. doctors tariff “TARMED,” the clinic can invoice the insurance company directly.
What does supplementary insurance pay?
Most health insurance companies offer supplementary insurance to cover additional diagnosis, therapy, and treatment types (e.g. complementary methods). These do not fall under the Health Insurance Act (KVG), but are purely private insurance (VVG). Each insurance policy can thereby define the insurance benefits, such as, procedures or therapists and accordingly only cover the selected treatments. The policyholder usually agrees to this contract of catalogued services silently, by implication. We therefore recommend that prior to obtaining additional insurance, you should compare the offered terms (services, general conditions of business) from different health insurance companies. Cautiously look over and please read carefully what you sign.
To avoid surprises with the invoice for treatment it is worthwhile clarifying the cost coverage respectively, the question of refund, with your supplementary insurance in advance.
For patients resident outside of Switzerland their country-specific patient care rules apply. You must have appropriate insurance coverage for healthcare in foreign countries or pay for the treatment yourself. In this case we request an advance payment.