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  • +5.0 %average premium increase 2027 according to the FOPH
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Supplementary insurance: What do insurers pay towards teeth, glasses, fitness and more?

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Supplementary insurance

Supplementary insurance benefits

Basic insurance does not pay for many things. See how much each insurer contributes towards complementary medicine, fitness, massages, glasses, travel and teeth, and request your personal offer.

Guide: All supplementary insurance benefits on one page →New: Compare insurers’ outpatient supplementary insurance directly →

Benefits: complementary medicine

Basic & supplementary insurance at a glance

1. What does statutory basic insurance (KVG/LAMal) pay?

Basic insurance covers only five defined methods:

  • Acupuncture
  • Anthroposophic medicine
  • Classical homeopathy
  • Phytotherapy (herbal medicine)
  • Traditional Chinese Medicine (TCM) drug therapy
The strict condition:

The treatment must be carried out by a doctor holding a recognised FMH certificate of proficiency in the method concerned. If you see a self-employed naturopath or therapist without a medical degree, basic insurance pays nothing. In addition, the costs are subject to your deductible (franchise) and the 10 % retention as usual.

2. What does supplementary insurance (VVG) pay?

If you want to see self-employed therapists (e.g. for osteopathy, kinesiology, Ayurveda or medical massages), supplementary insurance applies. Insurers usually cover 75 % to 90 % of the costs, but cap the amount at an annual maximum. Here is an overview of the main Swiss health insurers and their maximum benefits:

Insurer & productCost shareMaximum amount per calendar yearSpecial features & restrictions
Groupe MutuelMutuel Alterna / Global80%up to CHF 10’000.–Very high cover in Global Classic (Option Plus). From age 19, Alterna is subject to a separate annual deductible of CHF 300.–.
CSSmyFlex / Livoup to 90%up to CHF 10’000.–Depending on the rate (Premium offers the highest level). Large choice of around 70 recognised therapy methods.
ÖKKSpital / Natur80%up to CHF 10’000.–Three levels to choose from (up to CHF 1’000.–, CHF 5’000.– or CHF 10’000.–). An annual deductible of CHF 300.– applies to alternative medicine.
KPTPulse Premium / Top75%up to CHF 4’000.–Pulse Top pays up to CHF 2’000.–, Pulse Premium up to CHF 4’000.– per year. A small separate deductible of CHF 100.– applies.
VisanaAmbulant II / III90%up to CHF 4’000.–At the higher levels, covers 90 % of treatment costs for a broad range of methods.
SwicaCompleta Top / Optima90%Unlimited or cappedCompleta Top covers 90 % of costs. Combined with Optima, benefits for recognised methods are extremely high or partly uncapped.
SanitasVital Premium80%up to CHF 2’500.–Covers 80 % of costs up to the maximum amount. The smaller Vital Smart variant pays correspondingly less.
HelsanaCompleta75%No fixed limit (per-session cap)Covers 75 % of the costs of alternative therapies and medicines. There are often maximum reimbursement limits per session.
AssuraNaturaFixed amountCHF 80.– per sessionUnlimited number of sessions for recognised therapies, but pays a flat CHF 80.– per appointment. Deductible of CHF 200.–.
Package or individual module:

With many insurers, complementary medicine is part of the outpatient supplementary insurance. Some insurers also offer it as a separate supplementary insurance (e.g. Assura Natura or Concordia NATURA). We will be happy to show you which solution suits your insurer.

Key criteria: when do they actually pay?

For the supplementary insurance to accept your naturopath’s invoice, two conditions must be met:

  • 1. Recognition of the therapist (EMR / ASCA)This is the most important hurdle. Health insurers work with registration bodies such as the EMR (Erfahrungsmedizinisches Register) or the ASCA foundation. Your therapist must be certified with these registers for the method used. Ask the therapist directly before the first session: “Are you recognised by my health insurer via EMR/ASCA?”
  • 2. The insurer’s list of methodsNot every insurer covers every one of the more than 200 alternative treatment methods. Exotic therapies are often rejected, while classics such as osteopathy, medical massage, kinesiology and shiatsu are almost always included.

Information without guarantee. We will gladly check which solution suits you.

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Benefits: fitness centre

Overview of maximum contributions (per calendar year)

Maximum contributions by health insurers

Here is an overview of the maximum contributions Swiss health insurers grant through their supplementary insurance (as at 2026/2027):

InsurerMaximum contribution per yearMain conditions & details
Swicaup to CHF 900.–Usually made up of several modules (e.g. Completa Forte, Praevita and Optima). Covers up to 90% of costs.
CSSup to CHF 700.– to 800.–Paid via the “health account” (e.g. in myFlex). Basic contribution up to CHF 500.– for fitness, plus bonuses for a healthy lifestyle.
KPTup to CHF 600.–Up to CHF 600.– is possible with the Pulse Premium supplementary insurance (KPT Comfort pays up to CHF 300.–).
Atupriup to CHF 500.–Supplementary insurance Intense pays 75% up to CHF 500.–. The cheaper Basic variant pays up to CHF 200.–.
Groupe Mutuelup to CHF 500.–Depending on the outpatient supplementary insurance chosen.
Sanitasup to CHF 400.–The Vital Premium product covers 80% of costs up to max. CHF 400.–. Vital Smart pays up to CHF 200.– or 300.–.
Rhenusanaup to CHF 400.–Via the corresponding outpatient supplementary insurance.
EGKup to CHF 360.–Via the EGK supplementary insurance products.
Aquilanaup to CHF 300.–The TOP supplementary insurance offers a 50% cost share up to max. CHF 300.–.
KPT, ÖKK, SLKK, Sympanyup to CHF 300.–Standard prevention contributions in the mid-range outpatient modules.
Concordia, Helsana, Visanaup to CHF 200.–In the usual supplementary insurance products, contributions here are often capped at this maximum amount.
Health account and Qualitop:

Many insurers pay fitness contributions via a so-called “health account” in the outpatient supplementary insurance. It is almost always a requirement that the gym is quality-certified (e.g. Qualitop). Insurers do not usually offer separate insurance just for fitness.

Information without guarantee. We will gladly check which solution suits you.

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Benefits: medical massages

Basic & supplementary insurance at a glance

1. What does basic insurance (KVG/LAMal) pay?

For medical massages (e.g. classic massage, sports massage or connective tissue massage), the same principle applies in Switzerland: compulsory basic insurance (KVG/LAMal) does not cover massages – not even when there are medical complaints such as severe back pain.

The only exception:

The only exception in basic insurance is physiotherapy prescribed by a doctor (where massage techniques may be part of the treatment). For independent medical massages you need outpatient supplementary insurance for complementary medicine or prevention.

2. Overview: what supplementary insurance pays

Most Swiss health insurers cover 50 % to 90 % of the cost of a medical massage through the relevant supplementary insurance, capped at an annual maximum:

Insurer & productCost shareMaximum amount per calendar yearSpecial features & rates
CSSmyFlex75%up to CHF 2’000.–Economy: up to CHF 200.–.
Balance: up to CHF 600.–.
Premium: up to CHF 2’000.–.
SanitasVital80%up to CHF 750.–Vital Smart: max. CHF 250.– or CHF 500.–.
Vital Premium: max. CHF 750.–.
SwicaCompleta Top90%Very high limitsCombined with the Optima module, extremely high contributions, or uncapped contributions for certain medical indications, are possible.
KPTPulse75%up to CHF 4’000.–Pulse Top: up to CHF 2’000.–.
Pulse Premium: up to CHF 4’000.– (less a separate deductible of CHF 100.–).
HelsanaCompleta75%No fixed annual limitPays 75 % of the costs, but often limits reimbursement with a cap per session.
Groupe MutuelAlterna80%Depending on the moduleCovers 80 % of the costs; for adults often subject to a separate annual deductible.
Package or individual module:

Medical massages are usually part of the outpatient supplementary insurance or of a supplementary insurance for complementary medicine. Separate insurance just for massages is not usually available.

The 3 most important conditions for reimbursement

For your supplementary insurance to pay the massage invoice without objection, note the following criteria:

  • 1. Recognition of the practitioner (ZSR number)The insurer does not check which massage you have, but who performs it. The masseur must have their own ZSR number and be listed in the EMR (Erfahrungsmedizinisches Register) or ASCA registers for the method “medical massage” or “classic massage”.
  • 2. Federal diploma (important for some insurers)Large insurers such as Visana, Helsana, Swica or Sympany increasingly require the therapist to hold the federal diploma (eidgenössischer Fachausweis, FA) for medical massages to be reimbursed. Masseurs with certificates only, without this diploma, are often rejected by these insurers.
  • 3. Medical need rather than pure wellnessInsurers only contribute to massages that relieve complaints or serve rehabilitation (e.g. muscle tension, postural problems). Pure relaxation or hot-stone massages in a spa hotel count as wellness and are not covered. A medical prescription is usually not needed in advance for supplementary insurance; you can book an appointment directly.

Information without guarantee. We will gladly check which solution suits you.

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Benefits: glasses & contact lenses

Basic & supplementary insurance at a glance

1. What does statutory basic insurance (KVG/LAMal) pay?

Basic insurance only pays in a few exceptional cases that are strictly regulated by law (according to the List of Aids and Appliances, MiGeL):

  • Children and young people (up to 18) CHF 180.67 per calendar yearReceive CHF 180.67 per calendar year towards lenses or contact lenses (frames are not covered). A yearly prescription from an ophthalmologist is required.
  • Exceptions due to illness (adults) CHF 180.– to CHF 632.–For severe changes in vision due to illness (e.g. diabetes), after eye surgery or for severe visual defects, the insurer pays between CHF 180.– and CHF 632.– on presentation of an ophthalmologist’s prescription (depending on the medical indication and severity).
  • New since July 2024 (myopia management) up to CHF 850.–For progressive short-sightedness in children/young people, basic insurance contributes up to CHF 850.– towards special glasses or contact lenses, subject to strict ophthalmological criteria.

2. What does supplementary insurance (VVG) pay?

Outpatient supplementary insurance covers the cost of regular glasses, contact lenses and often part of laser eye surgery.

Good to know:

Most insurers do not pay these amounts every year, but on a rolling basis every 3 calendar years.

Insurer & productMaximum contributionFrequencyConditions
KPTPulse Premiumup to CHF 500.–Every 3 yearsAdditionally up to CHF 600.– per eye for laser eye surgery; 365-day waiting period.
ÖKKPremium combinationup to CHF 480.–Every 3 yearsDepending on the exact combination of modules.
SanitasVital Premiumup to CHF 400.–Every 3 yearsVital Smart pays up to CHF 200.–.
AXAGesundheitskasse COMPLETup to CHF 300.–Per calendar yearNo prescription required; the PLUS variant pays CHF 150.–.
CSSmyFlex Premiumup to CHF 300.–Per calendar yearAlso applies to prescription sunglasses; myFlex Balance pays CHF 150.–.
SWICACompleta Top + Supplementaup to CHF 300.–Every 3 calendar yearsAs an additional contribution via the Supplementa module.
AgrisanoAGRI-spezialup to CHF 200.–Every 2 yearsNo medical prescription required for adults.
HelsanaCompletaup to CHF 300.–Per calendar year90 % of the costs of lenses and contact lenses. TOP alone: up to CHF 150.–.
Good to know:

Contributions towards glasses and contact lenses are usually part of the outpatient supplementary insurance. Many insurers also contribute to laser eye surgery, and the contributions often also apply to sunglasses with corrective lenses.

Information without guarantee. We will gladly check which solution suits you.

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Benefits: cover abroad & travel

Basic & supplementary insurance at a glance

1. The big gaps in basic insurance cover

If you travel without additional cover, the following applies:

  • Within EU / EFTA countriesYou are entitled to medically necessary treatment under the laws and rates of the country you are visiting (via the European Health Insurance Card EHIC on the back of your Swiss card). You still have to pay the local co-payment yourself.
    Caution: Private clinics in tourist areas are often excluded.
  • Outside the EU / EFTA (e.g. USA, Thailand)Basic insurance pays at most twice the amount the same treatment would have cost in your Swiss canton of residence. However, a day in a US intensive care unit can easily cost CHF 5’000.– to 10’000.– – leaving you with thousands of francs in remaining costs.
  • The biggest risk – search, rescue and repatriationBasic insurance does not cover any costs for search and rescue operations and pays 0.– francs towards repatriation by air ambulance to Switzerland. Such a jet transport from overseas can easily cost CHF 80’000.– to CHF 100’000.–.

2. What supplementary insurance pays (examples)

Outpatient supplementary insurance closes these gaps almost completely and offers worldwide cover as well as 24-hour emergency assistance.

Insurer & productEmergency treatment costs worldwideRescue, recovery & searchRepatriation to Switzerland
SwicaCompleta Top100% coverPays all uncovered remaining costsUnlimitedIf medically necessary100% coverOrganisation & costs
HelsanaCompleta100% coverFull cover in emergenciesup to CHF 20’000.– per case100% coverOrganised by the emergency centre
CSSmyFlex100% coverFully supplements KVG/LAMal worldwide100% coverIn the Balance/Premium rates100% coverWhere medically appropriate
SanitasVital Premium100% coverWorldwide emergency coverup to CHF 20’000.– per year100% cover
KPTComfort / Pulse100% coverCovers all remaining costsup to CHF 20’000.–100% cover
VisanaAmbulant100% coverup to CHF 25’000.–100% cover
AXAGesundheitskasse100% coverup to CHF 20’000.–100% cover
Note on travel modules:

Many insurers also offer pure “holiday and travel insurance”. These often also cover cancellation costs or baggage insurance.

Package or individual module:

Cover for medical emergencies abroad is usually included in the outpatient supplementary insurance. If you also want to insure cancellation costs or baggage, many insurers offer separate holiday and travel insurance.

3. Overview: insurers’ separate travel and international modules

Some insurers offer cover abroad not (only) in the outpatient supplementary insurance, but as a stand-alone product that is insured separately.

Insurer & productType of cover & special features
HelsanaWORLDPurely separate international module. Perfectly supplements basic insurance abroad. No health check. Covers 100% of emergency treatment and repatriation costs.
Groupe MutuelMundoStand-alone travel health insurance. Can be taken out regardless of age. Covers treatment costs worldwide up to CHF 100’000.– per year, as well as search operations and repatriation at 100%.
AssuraMondia / Mondia PlusSeparate travel product. Designed specifically for trips of up to 45 consecutive days. Offers unlimited cover for emergency treatment and air ambulance flights abroad.
CSSTravel insuranceModular insurance. CSS travel insurance is completely independent of the classic myFlex supplementary health insurance. It can be booked as a treatment-costs-only variant or extended to include cancellation costs and baggage.
EGKAllianz annual travel insurancePartnership product. EGK offers comprehensive cover through a stand-alone annual travel insurance, arranged in cooperation with Allianz Travel.
Important note on former products

Swica (Vacanza): Swica’s well-known travel module Vacanza, which used to be taken out separately, was discontinued for new business as of 31.12.2025. Existing contracts continue until they expire, but for new customers Swica’s cover is now mainly integrated into the comprehensive outpatient package Completa Top.

The alternative: when is a health insurer the wrong choice?

If you are looking for a product that covers not only treatment costs (doctor’s visits and hospital) but also typical travel incidents, it is often worth looking beyond health insurers to dedicated travel insurers.

Holiday checklist: what to look out for

  • 1. Check the period of validityWith a classic outpatient supplementary insurance, cover abroad usually only applies to temporary trips (often limited to a maximum of 3 to 12 consecutive months). For longer trips around the world or emigration you need special international health insurance.
  • 2. Save the emergency numberIn a medical emergency abroad, call your supplementary insurance’s emergency number (if possible) before major treatment or transport (e.g. santé24 at Swica). Insurers often require a cost guarantee before approving expensive private clinics or air ambulance flights.
  • 3. Accident cover through your employer?If you work more than 8 hours a week for the same employer in Switzerland, you are automatically insured worldwide for non-occupational accidents under the UVG (Accident Insurance Act). The UVG also covers treatment costs abroad up to twice the Swiss rate and a maximum of approx. CHF 29’640.– for rescue and transport. However, the UVG never covers illness (e.g. appendicitis on holiday).

Information without guarantee. We will gladly check which solution suits you.

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Benefits: dental treatment

Cost share & maximum amounts (per calendar year)

What dental supplementary insurance pays

This is how much the dental supplementary insurance products of the major Swiss health insurers cover – including prophylaxis and dental hygiene:

Insurer & productCost shareMaximum amount per calendar yearSpecial features & prophylaxis / dental hygiene
HelsanaDENTAplus50% to 75%CHF 300.– to CHF 3’000.–Light: 75% up to CHF 300.–.
Gold: 75% up to CHF 3’000.–.
Also covers check-ups & braces.
CSSDental insurance50% to 75%CHF 500.– to CHF 5’000.–Offers various levels. The higher levels allow up to CHF 5’000.– per year (or unlimited amounts for children).
SwicaDENTA 1–450% to 75%CHF 500.– to CHF 2’000.–Denta 1: 50% up to CHF 500.–, Denta 2: 50% up to CHF 1’000.–, Denta 3: 75% up to CHF 1’500.–, Denta 4: 75% up to CHF 2’000.–. The outpatient supplementary insurance products Completa Top / Forte additionally pay 50% up to CHF 100.–.
SanitasDental80%CHF 500.– to CHF 2’000.–Covers a flat 80% of treatment costs, depending on the level chosen (Basic to Top).
VisanaZahnPflege50% to 70%CHF 500.– to CHF 3’000.–Level 1 pays 50% up to CHF 500.–. Higher levels cover up to 70% or a maximum of CHF 3’000.–.
KPTDental75%CHF 200.– to CHF 2’000.–Divided into three benefit classes. Class 3 pays 75% of the costs up to a maximum of CHF 2’000.–.
Groupe MutuelDentaire Plus50% to 75%CHF 250.– to CHF 3’000.–The entry-level variant covers CHF 250.–, the top variant pays 75% up to a maximum of CHF 3’000.–.
Package or individual module:

With most insurers, dental treatment is a separate dental insurance (e.g. SWICA DENTA, Helsana DENTAplus, Visana ZahnPflege). With some insurers, a contribution is also included in the outpatient supplementary insurance. We will be happy to show you which solution suits your insurer.

Important hurdles and pitfalls before signing up

Dental supplementary insurance differs fundamentally from other supplementary insurance. You should be aware of the following hurdles:

  • The dentist’s certificate (health check)From a certain age (usually from the 4th or 5th year of life), almost all insurers require a current dental status from the dentist before you sign up.
  • Exclusion of existing problemsIf the dentist already notes caries, an upcoming root canal treatment or a misalignment on the certificate, the insurer will exclude this from cover or reject the application altogether.
  • Waiting periodsMany insurers pay nothing or only very little in the first 6 months to 1 year after the contract starts. Taking out insurance because you need an expensive crown next week therefore does not work.

Information without guarantee. We will gladly check which solution suits you.

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Comparison

Outpatient supplementary insurance of selected health insurers compared

Choose what matters to you and see which insurers’ products include these benefits. Up to three products can be compared side by side.

Comparison

Outpatient supplementary insurance of selected health insurers

Choose what matters to you. You will see straight away which insurers’ products include these benefits and how much they pay. Up to three products can be compared directly side by side.

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Outpatient supplementary insurance

Products compared side by side

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Expectant parents on the sofa, next to baby shoes and a hat

Prenatal insurance

Insure your baby before birth

If you register your child before birth, they get supplementary insurance without a health check. Even if the baby is born with a condition or a malformation, they are fully covered from the very first second.

  • No health questions for dental, hospital and outpatient supplementary insurance
  • Ideal time: 5th to 7th month of pregnancy
  • Premiums only from the month of birth
Request a prenatal insurance quoteAll about prenatal insurance

Quote and advice

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  • Your selection is already includedWe take the insurer, model, deductible and place of residence straight from the calculator.
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  • In good time before 30 NovemberOn request, you will receive a cancellation template for your current insurer.

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Questions and answers

Cancellation, models, deductible

By when can I cancel my basic insurance?

Your cancellation must reach your health insurer by 30 November at the latest; you then switch on 1 January. Send it by registered post and in good time. Your existing insurance only ends once the new insurer has confirmed that you are insured without a gap. With the ordinary deductible of CHF 300 in the standard model, you can also switch at the end of June, with cancellation by the end of March.

You can use our form for the cancellation. It applies to basic (KVG) and supplementary insurance (VVG) and for up to five people. You can fill it in directly on your computer or print it out and fill it in by hand. Then sign it and send it by registered post.

Download cancellation form (PDF)

Want to stay with your insurer and only change your model or deductible? For that, use our sample letters to your health insurer.

When should I insure my baby?

Ideally before birth, preferably in the 5th to 7th month of pregnancy. Health insurers will then also accept your child into supplementary insurance without a health check. You only pay premiums from the month of birth. For basic insurance, you have three months after the birth, and it then applies retroactively.

More about prenatal insurance

Are the benefits the same with all health insurers?

Yes. Basic insurance benefits are set by law and are identical with all insurers. The differences are in premium, model and service. Every insurer must accept you for basic insurance without health questions.

Do I need accident cover?

If you work at least 8 hours a week for the same employer, you are insured against accidents through your employer and can exclude accident cover from your health insurance. For children, the self-employed, people not in work and pensioners, it remains included.

What do family doctor, HMO and Telmed mean?

With these models, you first go to your family doctor or an HMO health centre, or call a telemedicine service. In return, the premium is usually lower than in the standard model with free choice of doctor. Emergencies are always exempt.

Which deductible is right?

With the highest deductible of CHF 2'500 you pay the lowest premium, but bear more of the costs yourself. On top of this there is a retention of 10 % of the costs, at most CHF 700 per year (children CHF 350). Whether the high deductible pays off depends on your expected costs. We will be happy to work this out with you during our advice.

Where do the premiums come from?

From the premiums approved by the Federal Office of Public Health (FOPH), published in the dataset “Health insurance premiums” on opendata.swiss (as at 29.9.2026). For each insurer and model, the cheapest rate is shown, rounded to 10 centimes. The insurer’s quote is binding.