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Individual product details: benefits overview and contractual provisions.
Do you want to make sure you have the best possible coverage for outpatient treatment? Are you looking for supplementary insurance that supports complementary medicine and pays toward the costs of your glasses? Then our supplementary outpatient options are the perfect answer.
Summary of our Healthcare products. Detailed information on benefits can be found in the benefits overview.
Do you want to be able to choose freely when it comes to selecting a hospital or specialist who will treat you? Is privacy important to you, and would you rather have a single room? Are you a frequent traveler and want to make sure you have the best possible coverage for when you’re abroad too? Discover our attractive supplementary hospital insurance options now.
Summary of our hospital products. Detailed information on benefits can be found in the benefits overview.
Very few people make use of the opportunity to switch mandatory basic insurance each year, despite the fact that they can save a considerable amount by doing so. This is because it takes time and effort to compare prices and offerings, ask for quotations, and terminate cover.
We know this – and it’s precisely why we take care of all of this for our customers with supplementary health insurance options. Every fall, we send you a proposal for the most cost-efficient basic insurance. If you accept the proposal, we’ll take care of the switch for you. Which means you can make savings year after year – without having to lift a finger!
Covers consequential costs for acute-care hospital stays of 3 nights or longer. Complements supplementary hospital insurance.
For dental treatment, dental corrections for adults, dental hygiene and bleaching.
For a lump sum payment on disability or death.
The flexible insurance for illness or accidents abroad. Find out more.
Would you like a convenient way to put money aside for the future and save on tax? You can with the pension saving service from AXA. If you have a supplementary health insurance policy with us, any reimbursements you receive can be paid straight into your AXA SmartFlex 3a pension plan.
To make use of the pension saving service you must:
You will find an overview in your customer account on myAXA.
No. The payments made to your SmartFlex 3a pension plan do not need to be rounded (e.g., you could pay in CHF 85.95). However, individual payments must be at least CHF 20.
Each time you are due a reimbursement you can decide how much to transfer to your Pillar 3a plan. You have to confirm how you want the amount allocated on each occasion. If you change your mind, you can cancel the process and correct the amount.
As a general rule, the capital paid into a Pillar 3a tied pension plan can be paid out at the earliest five years before you reach the statutory AHV/OASI retirement age (65 for men, 64 for women). In a similar way to what is possible in occupational benefits insurance, the pension capital paid into Pillar 3a can be withdrawn early. This is possible if you become self-employed, for example, or relocate abroad, or if buy your own home.
It is not possible to pay too much into your SmartFlex pension plan with AXA. This is because we check whether you have reached the maximum amount before every payment into your SmartFlex plan. If the additional payment is too high, we top up your AXA Pillar 3a plan until it reaches the maximum amount. We then either transfer the remainder to your private account or use it for future premiums – whichever you prefer.
Important: We cannot view payments into any Pillar 3 plans you may hold with other providers. If you split your payments between different Pillar 3a products, you yourself will need to ensure you do not exceed the maximum contribution.
There is a 5% discount for two-person families and a 10% family discount for all family members in the same household for families with three or more members. This requires at least one person to be an adult and at least one person to be a minor.
Our products Dental 1000, Flex 1, Flex 2, Hospital Semi-private and Accident Private are also free up to a baby's first birthday.
Comparing prices, obtaining offers and terminating policies all takes time. If you opt for supplementary health insurance from AXA, each fall you receive from us a proposal for the most cost-efficient basic insurance available.
If you agree to our proposal, we’ll take care of all of the paperwork involved in terminating your old insurance and registering you with your new basic insurer. This way, you’ll save around CHF 2000 in premiums each year, without having to lift a finger.
As a general rule, AXA recognizes all therapists and methods of complementary medicine listed in this therapist search.
In addition to our attractive range of supplementary health insurance products, we can assist you in exercising your freedom to choose your provider of basic health insurance. Although AXA does not offer basic health insurance itself, each year we can help you find the best solution in terms of price and quality. To ensure our advice is unbiased, we don’t receive any commission on basic insurance.
Every resident of Switzerland must take out basic health insurance cover. Insurance providers are obligated to accept all applicants, regardless of their age or state of health. Infants can be registered up to three months after their date of birth, but it is also possible to register a child before it is born. Supplementary health insurance is concluded on a voluntary basis and covers gaps in basic insurance. As a rule, supplementary insurance products provide both outpatient and inpatient services. Unlike with basic insurance, insurers offering supplementary insurance are not obligated to accept every applicant.
Supplementary insurance products close many gaps in basic insurance, for example, with financial contributions toward glasses and contact lenses, gym membership or complementary medicine. Moreover, basic insurance doesn’t allow the free choice of hospitals and doctors. More comfort – a two-bed or single-bed room – is only available with semi-private or private supplementary insurance.
“Flex” hospital insurance solutions are a further option. These allow you to decide on a case-by-case basis what level of comfort you prefer for your upcoming hospital stay.
For details of the benefits offered by AXA supplementary health insurance, please see our benefits overview.
There are three ways to save money on your basic health insurance cover:
These are the typical models:
Depending on the plan you choose, you can benefit from lower insurance premiums.
The excess (expressed as a lump sum in francs) is the annual portion of your costs that you have to bear yourself before your basic insurance cover kicks in. Once you have reached this amount, you have to bear only 10% of the invoiced costs until you have reached the maximum amount of CHF 700 per year. It is advisable to select either the smallest or the highest excess, as the mid-range ones are definitely not worthwhile. You can adjust your excess once a year.
Why it's worth switching basic health insurance with AXA.
What does the health insurer pay?
Just what Ramona Betscharts has been waiting for!
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