Supplementary outpatient insurance Everything for your outpatient treatments

Do you wear glasses or contact lenses, are you a member of a gym, are you interested in complementary medicine? Then our supplementary outpatient insurance is just right for you.

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Your advantages with our supplementary outpatient insurance

Has your eyesight changed and your glasses need replacing? Are your contact lenses becoming less effective? Has your gym raised its charges? No problem.  Our supplementary outpatient insurance covers generous benefits towards your healthcare costs in the areas of prevention and outpatient treatment, regardless of whether you’re taking preventive action to protect your future health or are facing a serious illness.

Supplementary outpatient insurance: Sports clubs and gym memberships

Are you in a sports club, do you go to the gym or practice yoga? Our supplementary outpatient insurance shares the costs of many different services in the area of health promotion and sports.

We cover costs in accordance with the prevailing General Insurance Conditions (GIC) and supplementary conditions of insurance of the ACTIF and COMPLET products for the measures relating to the promotion of good health and sporting activities.

As of January 2021

Recognized health promotion and

sporting activities

Annual reimbursement

by AXA, in CHF



Gym membership fees

(at least six-month membership, Qualitop certified or 3 stars from Fitness Guide, or Qualicert certified)

75% up to 200

75% up to 300

  • Practicing Olympic sports in accordance with Swiss Olympic: Olympic sports plus floorball and orienteering*
  • Season tickets for a swimming pool (minimum validity: one year)
  • Climbing club memberships (from January 1, 2020, minimum validity: one year)
  • Medical training therapies (from physiotherapists)
75% up to 100

75% up to 150

Exercise classes

(Qualitop or Qualicert certified or provider listed in Fitness Guide, minimum of 10 classes)

75% up to 200

75% up to 300

Maximum amount reimbursable for the above activities

up to 400 per year

up to 500 per year

* Active membership in a sports club belonging to the respective Swiss association is required.

Supplementary outpatient insurance in the field of complementary medicine

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 2021

Recognized therapists

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.

Complementary medicine

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 .

EMR number

EMR method

ASCA number
ASCA method
6 APM therapy (formerly acupoint/acupuncture massage) 272 APM therapy (acupoint/acupuncture massage)


Alexander technique


Alexander technique


Anthroposophic medicine

249 Anthroposophic therapy


Respiratory therapy

173 Respiratory therapy


Autogenic training


Autogenic training


Movement therapy, integrative/clinical

550 Movement and bodywork therapy


Bioresonance therapy

269 Bioresonance
43 Dorn therapy, additional qualification   5)


Craniosacral therapy

180 Craniosacral therapy
58 Drama therapy
563 Drama and speech therapy


Eutony (Gerda Alexander method)

186 Eutony (Gerda Alexander method)
76 Color therapy 275 Color therapy


Feldenkrais method

192 Feldenkrais therapy


Hatha yoga

258 Hatha yoga


Therapeutic eurythmy


Eurythmy therapy, anthroposophic


Classical homeopathy

197 Homeopathy
97  Intermedial art therapy
562 Intermedial art therapy



199 Kinesiology
114 Art therapy 204 Painting therapy
  561 Creative and painting therapy
115 Art therapy, anthroposophic 251 Art therapy, anthroposophic


Music therapy


Music therapy


Music therapy, anthroposophic


Music therapy, anthroposophic



213 Osteopathie/etiopathy


Hands-on creative therapy, anthroposophic

255 Hands-on creative therapy, anthroposophic



214 Polarity


Puppetry therapy

572 Puppetry therapy



583 Rebalancing 


Rolfing/structural integration

220 Rolfing/structural integration
172 Shiatsu massage 221 Shiatsu massage


Anthroposophic speech therapy

256 Anthroposophic speech therapy


Dance therapy

542 Movement and dance therapy


Movement and dance therapy (Hauschild-Sutter method)

213 Rhythmic massage, anthroposophic 250 Rhythmic massage, anthroposophic
Reflexology massage
Reflexology therapy
664 Reflexology (general)


Spiral Dynamics Diploma Level Intermediate MED



Spiral Dynamics Diploma Level Advanced MED-Q

263 Spiral dynamics 
131 Naturopathic therapies NHP (naturopaths) 211 Naturopathy (WAM) 

145 Western phytotherapy

  211 + 415 Phytotherapy (WAM) 1)
218 Dietetics (NHP) 211 + 229 corresponds to nutritional counseling (WAM) 1)

219 Purging procedures (NHP)

211 + 665 Purging procedures 1)
220 Hydrotherapy (NHP) 211 + 807 Hydrotherapy 1)
221 NHP massage (naturopath)   211 + 807 Hydrotherapy 1)
211 + 205 Classical massage 1)
211 +218 Foot reflexology therapy 1)
211 + 664 Reflexology (general) 1)
185 Traditional Chinese Medicine (TCM) 231 Naturopathy (TCM)
  3 Acupressure   171 Acupressure

5 Acupuncture (TCM)

231 + 172 Acupuncture 2)

9 An-Mo/Tui-Na (TCM) 231 + 416 Tuina/anmo massage 2)

64 Electroacupuncture (TCM)

231 + 182 Electroacupuncture 2)
69 Chinese nutrition therapy (TCM) 231 + 233 Nutritional counseling (TCM) 2)

108 Laser acupuncture (TCM)

231 + 260 Laser acupuncture 2)

124 Moxa/moxibustion (TCM)

231 + 322 Moxa/moxibustion 2)

136 Auricular acupuncture (TCM)

231 + 458 Auriculotherapy (TCM) 2)

146 Traditional Chinese medicine (TCHM) previously phytotherapy (TCM)

231 + 235 Phytotherapy (TCM) 2)

160 Qi-gong (TCM)

231 + 412 Qi-Gong (TCM) 2)

170 Cupping therapy (TCM)

231 + 282 Cupping therapy (TCM) 2)

182 Tai-chi (TCM)

231 + 436 Tai-chi (TCM) 2)
22 Ayurveda (Ayur.) 545 Naturopathy (AVM)
  24 Ayurvedic nutritional counseling (Ayur.)
57 Ayurveda nutrition
  545 + 541 Nutritional counseling (AVM) 3)
26 Ayurvedic medicine (Ayur.) 545 + 414 Phytotherapy (AVM) 3)
28 / 57 Ayurvedic massage (Ayur.) 546 Ayurvedic massage


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


Medical massages

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.

EMR number

EMR method

ASCA number ASCA method


Connective tissue massage (med. massage)

232 + 206
234 + 206
Connective tissue massage 4)
    268 Dorn/Breuss therapy
67 Electrotherapy (medical masseur)
232 + 404
234 + 404
Electrotherapy 4)
95 Hydrotherapy (medical masseur)
232 + 807
234 + 807
Hydrotherapy 4)


Foot reflexology massage (medical masseur)

232 + 218
234 + 218
Foot reflexology massage therapy 4)


Medical massage (medical masseur)
232 + 205
234 + 205
Classic massage 4)


Lymphatic drainage massage, manual (med. massage)

232 + 202
234 + 202
Manual lymphatic drainage massage 4)

Wraps/compresses (med. massage)

232 + 669
234 + 669
Wraps/compresses/fango 4)


4) only when also simultaneously registered for 232 medical massage SRC certificate of competence (“FA”) or 234. medical massage federal certificate of competence


Nutritional counseling

AXA covers a portion of the costs of nutritional counseling from the benefit budget for prevention. 

The benefit for nutritional counseling in detail:

  • ACTIF: 75% up to a maximum of CHF 300 per year.
  • COMPLET: 75% up to a maximum of CHF 500 per year. 

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 qualified dietitian. The following methods are currently recognized by AXA:

EMR number

EMR method

ASCA number ASCA method


Nutritional counseling

229 Nutritional counseling (WAM)

Supplementary outpatient insurance for preventive examinations and measures

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.

Preventive measures

We currently cover costs in accordance with the prevailing General Insurance Conditions (GIC) and supplementary conditions of insurance of the ACTIF and COMPLET products for the preventive measures listed below, provided they are carried out by a registered doctor or medical specialist. Registered doctors can be found at AXA’s payments are in addition to what is covered by basic health insurance.

As of May 1, 2021

Preventive measures

Annual reimbursement

by AXA, in CHF



Gynecological screening tests



Childbirth preparation and postnatal exercise classes

75% up to 300

75% up to 500

Nutritional counseling 2)

75% up to 300

75% up to 500

Weight reduction for children

75% up to 300

90% up to 500

Medical screening as a supplement to basic insurance

75% up to 300

75% up to 500

Maximum amount reimbursable for the above-isted preventive measures

up to 500 per year

up to 600 per year


1) For AXA to provide the benefits, the method must be performed by a specialist who is registered for this method with the EMR.

2) 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 .


Vaccinations – Covered by basic insurance

The costs of the following vaccinations are covered by basic insurance (minus excess and deductible).

As of March 2021

  • Measles, mumps, rubella (MMR)
  • Chickenpox (varicella)
  • Diphtheria (every 10 years)
  • Tetanus (every 10 years)
  • Whooping cough (pertussis)
  • Haemophilus influenzae type B
  • Pneumococcal infections
  • Poliomyelitis (polio)
  • Hepatitis B
  • Hepatitis A for special risk groups
  • Influenza
  • Annual flu vaccination for persons aged 65 and above and individuals with an increased risk of complications in the event of flu.
  • HPV (human papilloma virus)
    For girls and young women aged 11–19 vaccination costs are reimbursed, at no cost, if vaccination is carried out as part of a cantonal program.

Vaccinations – Covered by AXA Healthcare

Under its COMPLET and ACTIF 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: 

  • Yellow fever
  • Rabies
  • Japanese encephalitis
  • Typhoid fever (typhus abdominalis)
  • Cholera
  • Herpes zoster (shingles)
  • Rotavirus gastroenteritis

Supplementary outpatient health insurance for medical equipment and devices

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:

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 (inc. glasses and lenses).

As of July 2020

Hearing and speech aids

  • Hearing aids

Devices to stabilize the limbs and torso

  • Cranial orthosis

Mobility aids

  • Walkers and other walking aids (e.g. frames or crutches)
  • Wheelchairs
  • Shoe inlays

Bed-rest aids

  • Mattresses and pillows to prevent the formation of pressure sores (decubitus)
  • Electrically adjustable nursing bed


  • Blood-pressure monitors
  • Wigs (for cancer patients)
  • Mite-proof mattress cover, bedcover, etc.

Supplementary outpatient insurance for medications

Statutory health insurers only contribute to the costs of certain medicines. With supplementary insurance in the outpatient segment, you receive additional financial support for various medicines.

We assume a portion of the cost of medications that are prescribed by a doctor but not covered by basic health insurance. In the case of Accident – Private, we cover 100% of the costs of medications prescribed by a doctor as a result of an accident. All pharmaceutical products with special applications (LPPV) as well as the medications listed below (non-exhaustive list of examples) are excluded:

As of July 2020

Appetite stimulant

  • Herbal tea

Insect repellents

  • Products to combat mosquitoes, lice, and ticks and for scabies (e.g. Anti-Brumm, Loxazol lotion, Prioderm shampoo etc.)
  • Products to kill or repel insects


  • Contraceptives (e.g. the pill, etc.)
  • Contraceptives with localized or systemic effects (e.g. Nuvaring, condoms, etc.)

Erectile dysfunction

  • Treatment of erectile dysfunction (e.g. Viagra, Cialis, Vivanza, etc.)

Acne treatment

  • Cream, paste, gel, lotion, stick

Food supplements

  • Preparations taken in addition to food (e.g. vitamins, minerals, etc.)

Supplementary outpatient insurance for non-medical psychotherapy

We contribute financially to the costs of outpatient psychotherapy not prescribed by a doctor.

We cover the costs of psychotherapeutic services in accordance with the prevailing General Insurance Conditions (GIC) and supplementary conditions of insurance of the PLUS, COMPLET, and Accident – Private products.

As of April 1, 2020

As a general rule, AXA recognizes all psychotherapists who are members of one of the following associations:

Invoice service for your medical bills

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.

Questions on supplementary outpatient insurance

  • What’s the difference between outpatient and inpatient?

    Outpatient treatment describe procedures for which you do not have to stay overnight in hospital. For inpatient treatments, you stay overnight in hospital either before or after the procedure.

  • Does AXA pay for treatment by my alternative practitioner?

    We contribute to the costs of various alternative healing methods, including those of an alternative practitioner. You can find out more about this in the section on "Complementary medicine".

  • Which outpatient services are covered abroad?

    An outpatient insurance policy with AXA contributes to the costs of rescue and transport, as well as recovery costs abroad. The costs of medical emergencies (outpatient or inpatient alike) are also covered.

  • What does outpatient insurance cover in the area of preventive care?

    Some examinations, such as skin cancer screening and mammograms, are already covered by basic health insurance. In the area of preventive care, however, the benefits of supplementary insurance go far beyond those of statutory health insurance. AXA contributes to check-ups and medical screenings that are not covered by statutory health insurance, for example.

    You can find more information in the benefits overview.

  • Are many of these costs not already covered by basic insurance?

    In the outpatient sector particularly, many costs are only covered by mandatory health insurance for children, or they are covered only partially. So private health insurance quickly pays off. We also contribute towards the costs of sports clubs, for example, or to the costs of your glasses or contact lenses, even after the age of 18.

    Or for gynecological screening, the costs of which are only met by statutory health insurance every three years – whereas we pay for preventive check-ups in the intervening years too.

Contractual provisions of our supplementary outpatient insurance policies

Would you like more information on the General Insurance Conditions and supplementary conditions that apply to outpatient insurance options? Attached you will find a list of all the contractual provisions that apply.

Blogs on all aspects of supplementary outpatient insurance

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