Individual product details: benefits overview and contractual provisions.
In accordance with the applicable General Insurance Conditions and Supplementary Insurance Conditions of the ACTIF and COMPLET products, we cover the cost of the following measures relating to the promotion of good health and sporting activities.
As of January 2024
Recognized health promotion and sporting activities | Annual reimbursement by AXA, in CHF | |
Gym membership fees* (at least six-month membership, must be listed in the Fitness Center Search) |
ACTIF 75% up to 200 |
COMPLET 75% up to 300 |
Sports club membership and sports subscriptions
|
ACTIF 75% up to 100 |
COMPLET 75% up to 150 |
Exercise classes*** | ACTIF 75% up to 200 |
COMPLET 75% up to 300 |
Maximum amount reimbursable for the above activities |
ACTIF up to 400 per year |
COMPLET up to 500 per year |
*The start date of the gym membership must be after the insurance commences.
**Active membership in a sports club belonging to Swiss Olympic (site in German) is required.
*** Course providers must be listed by Fitness-Guide or Qualitop or Qualicert certified; swimming schools must be recognized by aQuality or Swiss Aquatics. (sites in German)
Preventive health promotion services aimed at improving mental health and provided by psychologists recognized by AXA:
Note: In the event of mental illness, the benefits are provided under mandatory basic insurance and cannot be covered by AXA.
Members of the following professional associations are recognized by AXA:
You will find members of the associations here:
Is alternative medicine something you use? Are acupuncture and Chinese medicine important to you? Would you be interested in insurance that pays towards the costs of treatment by an alternative practitioner? Our outpatient benefits cover a wide range of alternative medicine, medical massages, and nutritional counseling.
As of January 2024
For AXA to provide benefits, treatment must be provided by a doctor or recognized specialist. Recognized specialists are naturopaths and therapists who are entered in the Empirical Medicine Register (EMR) or registered for the relevant method with the Swiss Foundation for Complementary Medicine (ASCA). In der Therapist search you will find all specialists recognized by AXA.
AXA’s outpatient products cover 75% of the costs of complementary medicine treatments. With ACTIF we cover a maximum of CHF 1,000 per year, and with COMPLET we cover a maximum of CHF 3,000 per year. Accident – Private pays 100% of the costs up to a maximum of CHF 3,000 p.a. for complementary medicine therapies and/or medical massages following an accident. AXA only pays benefits for necessary medical treatments.
With complementary-medicine group courses involving 10 classes or more and aimed at prevention or treatment, the same reimbursement guidelines apply as for exercise classes. ACTIF thus covers 75% of costs up to a maximum of CHF 200 per year; COMPLET covers 75% of costs up to a maximum of CHF 300 per year.
AXA will cover the method only if it is performed by a specialist who is registered for that method with the EMR or ASCA .
AXA recognizes the following methods of complementary medicine:
EMR number |
EMR method |
ASCA number |
ASCA method |
6 | APM therapy (formerly acupoint/acupuncture massage) | 272 | APM therapy (acupoint/acupuncture massage) |
7 |
Alexander technique |
188 | Alexander technique |
10 |
Anthroposophic medicine |
249 | Anthroposophic therapy |
13 |
Respiratory therapy |
173 | Respiratory therapy |
20 |
Autogenic training |
253 | Autogenic training |
32 |
Movement therapy, integrative/clinical |
550 | Movement and bodywork therapy |
38 |
Bioresonance therapy |
269 | Bioresonance |
53 |
Craniosacral therapy |
180 | Craniosacral therapy |
58 | Drama therapy |
563 | Drama and speech therapy |
59 | Boeger therapy 6) | 5) | |
73 |
Eutony (Gerda Alexander method) |
186 | Eutony (Gerda Alexander method) |
76 | Color therapy | 275 | Color therapy |
78 |
Feldenkrais method |
192 | Feldenkrais therapy |
88 |
Hatha yoga |
258 | Hatha yoga |
89 |
Therapeutic eurythmy |
187 | Eurythmy therapy, anthroposophic |
91 |
Classical homeopathy |
197 | Homeopathy |
97 | Intermedial art therapy |
562 | Intermedial art therapy |
100 |
Kinesiology |
199 | Kinesiology |
114 | Art therapy | 204 561 |
Painting therapy Creative and painting therapy |
115 | Art therapy, anthroposophic | 251 | Art therapy, anthroposophic |
127 |
Music therapy |
548 | Music therapy |
128 |
Music therapy, anthroposophic |
252 | Music therapy, anthroposophic |
141 |
Osteopathy/etiopathy |
213 | Osteopathie/etiopathy |
148 |
Hands-on creative therapy, anthroposophic |
255 | Hands-on creative therapy, anthroposophic |
149 |
Polarity |
214 | Polarity |
152 | Psychomotor therapy | 826 | Psychomotor therapy |
158 |
Puppetry therapy |
572 | Puppetry therapy |
161 |
Rebalancing |
583 | Rebalancing |
166 |
Rolfing/structural integration |
220 | Rolfing/structural integration |
172 | Shiatsu massage | 221 | Shiatsu massage |
177 |
Anthroposophic speech therapy |
256 | Anthroposophic speech therapy |
183 |
Dance therapy |
542 | Movement and dance therapy |
184 |
Movement and dance therapy (Hauschild-Sutter method) |
5) | |
213 | Rhythmic massage, anthroposophic | 250 | Rhythmic massage, anthroposophic |
163 240 |
Reflexology massage Reflexology therapy |
664 | Reflexology (general) |
500 |
Spiral Dynamics Diploma Level Intermediate MED |
5) | |
501 |
Spiral Dynamics Diploma Level Advanced MED-Q |
263 | Spiral dynamics |
131 | Naturopathic therapies NHP (naturopaths) 145 Western phytotherapy |
211 | Naturopathy (WAM) 211 + 415 Phytotherapy (WAM) 1) |
185 | Traditional Chinese Medicine (TCM) 3 Acupressure |
231 | Naturopathy (TCM) 171 Acupressure |
22 | Ayurveda (Ayur.) 24 Ayurvedic nutritional counseling (Ayur.) |
545 | Naturopathy (AVM) 545 + 541 Nutritional counseling (AVM) 3) |
Footnotes/key
1) only when also simultaneously registered for 211 naturopathy (WAM)
2) only when also simultaneously registered for 231 naturopathy (TCM)
3) only when also simultaneously registered for 545 naturopathy (AVM)
5) Not an ASCA method
6) Additional qualification for qualified naturopaths (NHP) or osteopaths
For persons insured under ACTIF and COMPLET products, AXA will reimburse 75% of the cost of medical massage up to a maximum of CHF 200 per calendar year. Persons with the Accident – Private product receive 100% of the costs up to a maximum of CHF 3,000 per year as a result of an accident (complementary medicine therapies and medical massages). Benefits for medical massage count toward the total amount that may be reimbursed for complementary medicine treatment.
AXA currently recognizes the following methods.
Status: January 2024
EMR number | EMR method | ASCA number | ASCA method |
33 | Therapeutic massage | 133 | Massage therapy |
35 | Connective tissue massage (med. massage) | 232 + 206 234 + 206 |
Connective tissue massage 4) |
43 | Dorn therapy 7) | 268 | Dorn/Breuss therapy |
59 | Boeger therapy 7) | 5) | |
67 | Electrotherapy (medical masseur) | 232 + 404 234 + 404 |
Electrotherapy 4) |
82 | Foot reflexology massage (medical masseur) | 232 + 218 234 + 218 |
Foot reflexology massage therapy 4) |
95 | Hydrotherapy (medical masseur) | 232 + 807 234 + 807 |
Hydrotherapy 4) |
103 | Medical massage (medical masseur) | 232 + 205 234 + 205 |
Classic massage 4) |
112 | Lymphatic drainage massage, manual (med. massage) |
232 + 202 234 + 202 |
Manual lymphatic drainage massage 4) |
205 | Wraps/compresses (med. massage) |
232 + 669 234 + 669 |
Wraps/compresses/fango 4) |
Footnotes/key
4) only when also simultaneously registered for 232 medical massage SRC certificate of competence (“FA”) or 234. medical massage federal certificate of competence
5) Not an ASCA method
7) Additional qualification for qualified medical masseurs
AXA covers a portion of the costs of nutritional counseling from the benefit budget for prevention.
The benefit for nutritional counseling in detail:
AXA will cover the method only if it is performed by a specialist registered for that method with the EMR or ASCA or by a federally qualified dietitian.
Is it important to you for your private supplementary insurance to make additional payments for preventive medical examinations? Would you like comprehensive vaccination cover that goes beyond the benefits provided by the statutory health insurance funds? We offer you a wide range of insurance cover for prevention and preventive care.
In accordance with the applicable General Insurance Conditions and Supplementary Insurance Conditions of the ACTIF and COMPLET products, we currently cover the cost of the preventive examinations and measures listed below, provided they are performed by a registered doctor or other medical specialist. You will find a list of registered doctors at www.doctorfmh.ch. AXA’s payments are in addition to what is covered by basic health insurance.
As of January 2024
Preventive measures | Annual reimbursement by AXA, in CHF | |
Gynecological screening in addition to what is covered by basic insurance |
ACTIF 100% |
COMPLET 100% |
Childbirth preparation and postnatal exercise classes |
ACTIF 75% up to 300 |
COMPLET 75% up to 500 |
Nutritional counseling 1) |
ACTIF 75% up to 300 |
COMPLET 75% up to 500 |
Weight reduction for children | ACTIF 75% up to 300 |
COMPLET 90% up to 500 |
Medical screening in addition to what is covered by basic insurance 2) (e.g. cardiovascular check-up, diabetes check-up, mammogram, colonoscopy, mole screening, specific lab test screenings, etc.) |
ACTIF 75% up to 300 |
COMPLET 75% up to 500 |
Maximum amount reimbursable for the above-isted preventive measures |
ACTIF up to 500 per year |
COMPLET up to 600 per year |
Footnotes/key
1) For AXA to provide the benefits, this method must be performed by a specialist who is registered for this method by the EMR or ASCA or a recognized dietitian (in German).
2) Screenings are specific preventive examinations of symptom-free persons aimed at detecting illnesses at an early stage.
Comprehensive, non-specific general medical examination (medical history, general physical examination including lab tests, discussion of results, etc.):
The costs of the following vaccinations are covered by basic insurance (minus excess and deductible).
As of September 2022
Under its COMPLET and PLUS outpatient products, AXA covers 90% of the costs of preventive vaccinations that are medically recognized in Switzerland but not covered by mandatory health insurance. These include vaccinations against:
Would you like supplementary insurance to cover the costs of medically prescribed medical equipment and other items such as wheelchairs or nursing beds? Supplementary outpatient health insurance contributes to the following costs:
As per the exhaustive list below, we assume a portion of the costs of medical equipment and devices prescribed by a doctor that are not covered by basic insurance or are supplementary to AHV/IV benefits. You must submit the refusal of cover from the IV/AHV together with a doctor’s prescription.
With our PLUS product AXA pays 75% of the costs up to a maximum of CHF 1,000 per year. With our COMPLET product AXA pays 90% of the costs up to a maximum of CHF 2,000 per year. With the Accident – Private product AXA pays 100% of the costs resulting from an accident up to a maximum of CHF 2,000 per year (incl. glasses and lenses).
As of September 2022
Hearing and speech aids
Devices to stabilize the limbs and torso
Mobility aids
Bed-rest aids
Other
Basic insurance policies contribute to the cost of medicines prescribed by a doctor that feature in the list of specialties, are approved for the indication in question, and are used within prescribed limits or are produced in accordance with the specifications of the list of medicines with tariffs on the basis of a medical prescription.
Under supplementary outpatient insurance (Health PLUS, Health COMPLET, and Accident – Private), AXA Healthcare also contributes to the cost of medication that is approved by Swissmedic and prescribed by a doctor but not covered by mandatory healthcare insurance.
Everything on the list of pharmaceutical products with special applications (LPPV) (in German) is excluded, as are the medications that feature in the non-exhaustive list below.
As of January 2024
Remedies for functional gastrointestinal disorders
Obstipation remedies
Weight loss remedies
Vitamins, minerals, tonics, and other remedies for the digestive tract and metabolism
Antifungal agents
Dermatological products
Skin care and skin protection products
Products for the treatment of wounds
Remedies for ectoparasites, insecticides, and repellents
Antiseptics and disinfectants
Antimalarials
Contraceptives
Remedies for erectile dysfunction
Topical remedies for joint and muscle pain
Stomatologicals
Throat and pharynx therapeutics
Rhinologicals
Products for general colds
Dry-eye treatments and other undifferentiated remedies
Home-made products or products prepared to a doctor's specifications
Innovative medications
Innovative medications that have been approved by Swissmedic but are not yet included in the list of specialties are covered in addition to basic insurance benefits. Coverage of the benefits by AXA is subject to the following conditions:
We contribute to the costs of planned and emergency outpatient treatment abroad.
The payment of benefits is governed solely by the Health Insurance Act (HIA) and related ordinances, as well as the General Insurance Conditions (GIC) and respective Supplementary Conditions (SC) of AXA Healthcare.
Valid as at July 2022
AXA Healthcare contributes to the costs of scheduled outpatient treatment abroad under supplementary outpatient insurance (Health PLUS, Health COMPLET, and Accident – Private).
The following benefits are insured:
The insured is required to notify AXA or the AXA emergency hotline of the treatment by calling +41 58 218 11 11 without delay.
Basic insurance cover contributes to the costs of medical emergencies as follows:
AXA Healthcare also contributes to the costs of medical emergencies under supplementary outpatient and inpatient insurance (Health PLUS, Health COMPLET, and Accident – Private).
In medical emergencies, provided the insured stays in hospital for at least 7 days.
In addition, AXA Healthcare contributes to the following travel expenses for a person close to the insured under supplementary outpatient insurance (Health PLUS, Health COMPLET, and Accident – Private):
This denotes those procedures that are excluded in accordance with our General Insurance Conditions (section C3). These include, but are not limited to:
Since January 1, 2023, psychotherapy services prescribed by a doctor have been paid out solely through basic insurance; therefore only treatments by therapists who have basic insurance registration are covered. Since that date, these benefits have no longer been covered by AXA Healthcare.
From January 1, 2024, AXA will contribute to the costs of psychotherapy services provided by psychotherapists without basic insurance approval.
Cost sharing for services provided by psychotherapists without a basic insurance licence:
Notes:
If you want to save on health insurance premiums, why not combine affordable basic insurance with attractive supplementary insurance? And our invoice service makes it even simpler.
Supplementary outpatient insurance covers part of the cost of sports and complementary medicine. It also covers the cost of emergencies abroad as well as medications not included in the basic health insurance catalog.
Supplementary outpatient insurance closes key gaps in basic health insurance cover. After all, compulsory health insurance covers only a portion of outpatient benefits.
Benefits typically included in supplementary outpatient insurance are costs of preventive examinations and complementary medicine, of glasses, contact lenses, gym memberships, and medical massages.
Outpatient treatment means procedures for which you do not have to stay overnight in a hospital. With inpatient treatment, you spend at least one night in a hospital.
That is why supplementary outpatient insurance also covers services provided outside of the hospital environment.
The cost of inpatient treatment that is not covered by basic health insurance can be insured under supplementary hospital insurance.
We pay a share of the cost of various alternative healing methods, including that of naturopaths.
You can find out more about this in the “Complementary medicine” section.
Our outpatient insurance policies cover a portion of a variety of costs incurred abroad.
For example, our PLUS or COMPLET products cover some of the cost of rescue and transportation as well as recovery expenses abroad.
We also bear a portion of the cost of planned treatments (outpatient only) and cover the entire cost of medical emergencies (whether outpatient or inpatient).
You can find more information in the benefits overview.
Under certain circumstances, basic health insurance covers some examinations, such as skin cancer screening and mammograms. In the area of preventive care, however, the benefits of supplementary insurance go far beyond those of statutory health insurance.
For instance, we pay a portion of the cost of medical check-ups not covered by statutory health insurance.
You can find more information in the benefits overview.
All our supplementary health insurance solutions – so that includes supplementary outpatient insurance – may be terminated at the end of any calendar year, subject to three months’ prior notice. You can choose between one-, two-, and three-year contracts.
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