For your outpatient treatments Supplementary outpatient insurance

Coverage of 100% of the costs of emergencies abroad
Coverage of 90% of the costs for medicines
Contributions for sports and complementary medicine
Calculate premium now
Key points at a glance
  • Prevention, check-ups, vaccinations: With this supplementary insurance, we contribute to the costs for preventative screening or complementary medicine.
  • Glasses, hearing aids, etc.: Thanks to this insurance, you pay less for your new eyeglasses, contact lenses, or gym membership.
  • Massages, alternative medicine, etc.: We also make a financial contribution to medical massages, alternative medicine, nutritional counseling, or therapies not prescribed by a doctor.

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 March 2022

Recognized health promotion and sporting activities Annual reimbursement by AXA, in CHF

ACTIF

COMPLET

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


Sports club membership, sports subscriptions and medical training therapies
  • Membership of a sports club for Olympic sports, floorball and orienteering**
  • Annual subscriptions for a swimming pool
  • Annual subscriptions for climbing clubs
  • 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

*The gym membership must start after the insurance commences
** 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)

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
43 Dorn therapy, additional qualification   5)

53

Craniosacral therapy

180 Craniosacral therapy
58 Drama therapy
563 Drama and speech therapy

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 Painting therapy
  561 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

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) 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

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

 

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.

As of January 2022

EMR number

EMR method

ASCA number ASCA method
33 Therapeutic massage    

35

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)

82

Foot reflexology massage (medical masseur)

232 + 218
234 + 218
Foot reflexology massage therapy 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

 

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

EMR number

EMR method

ASCA number ASCA method

68

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 www.doctorfmh.ch. AXA’s payments are in addition to what is covered by basic health insurance.

As of November 2022

Preventive measures

Annual reimbursement

by AXA, in CHF

ACTIF

COMPLET

Gynecological screening tests

100%

100%

Childbirth preparation and postnatal exercise classes

75% up to 300

75% up to 500

Nutritional counseling 1)

75% up to 300

75% up to 500

Weight reduction for children

75% up to 300

90% up to 500

Pregnancy services from Hirslanden 2)   Up to 150 3)
Online preventive psychotherapy courses 4)   75%, up to 80

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

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 (german).

2) Use of pregnancy app, use of midwife chat, etc. 

3) CHF 150.– for midwife chats (corresponds to 10 chats)

4) The “HelloBetter Fit Under Stress” app course is offered via the HelloBetter app. No psychological counseling is covered.

 

Vaccinations – Covered by basic insurance

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

As of September 2022

  • Tick vaccination (tick borne encephalitis)
  • 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
  • Cervical cancer (human papilloma virus, HPV)
    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 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: 

  • 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:

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

  • 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

Other

  • 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.

Insured medicines 

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. 

Non-insured medicines 

Everything on the list of pharmaceutical products with special applications (LPPV) is excluded, as are the medications that feature in the non-exhaustive list below.

Valid as at July 2022

Remedies for functional gastrointestinal disorders

  • Products for digestive disorders 
  • e.g. Carvon tablets, Luvos healing earth, Imogas capsules etc.

Obstipation remedies

  • Products for constipation 
  • e.g. glycerin suppositories, Dulcolax, Colosan Plus granules etc.

Weight loss remedies

  • Slimming products 
  • e.g. Liposinol Biomed tablets, Formoline L112 tablets etc.

Vitamins, minerals, tonics, and other remedies for the digestive tract and metabolism

  • Everything except approved vitamin and mineral products intended for women during pregnancy, which are reimbursed during pregnancy
  • e.g. Supradyn coated tablets, Vitasprint, Biotin Biomed forte etc.

Antifungal agents

  • Antifungal products for topical application  
  • e.g. Excilor nail fungus solution, Nailexpert by Wartner etc.

Dermatological products such as

  • Antihidrotics (products for excessive sweating)
  • Medicinal hair shampoo 
  • Wart remedies, products to remove calluses, products for corns
  • e.g. Botox, Selsun shampoo, Wartner wart treatment, Kamillex liquid, Kelosoft scar cream etc.

Skin care and skin protection products

  • Products for the care and protection of the skin
  • e.g. Viola almond oil ointment, Carbaderm cream etc.

Products for the treatment of wounds

  • Products to promote the healing of wounds
  • e.g. Zeller balsam, Kamillosan Liquidum etc.

Remedies for ectoparasites, insecticides, and repellents

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

Antiseptics and disinfectants

  • Products based on quaternary ammonium compounds
  • e.g. Stellisan solution, Octeniderm solution etc.

Antimalarials

  • Products for the prevention of malaria (including standby emergency treatment)
  • e.g. Malarone etc.

Contraceptives

  • Birth control products
  • Local and systemic contraceptives
  • e.g. NuvaRing, condoms, oral contraceptives ("the pill") etc.

Remedies for erectile dysfunction

  • Used neither for the treatment of erectile dysfunction nor for the treatment of the functional symptoms of benign prostatic hyperplasia
  • e.g. Viagra, Cialis etc.

Topical remedies for joint and muscle pain

  • Products applied externally for joint and muscle pain, such as products containing capsaicin
  • e.g. Isola Capsicum patches, Dul-X cream, comfrey gel etc.

Stomatologicals

  • Products for the local treatment of mouth and throat disorders
  • e.g. Elmex Jelly, Kenacort A adhesive paste etc.

Throat and pharynx therapeutics such as 

  • Local anesthetics for the mouth and throat, anti-inflammatory or humidification products
  • e.g. Mebucaïne lozenges, Hextril spray etc.

Rhinologicals

  • Head-cold products
  • e.g. Triomer nasal spray, Emser nasal ointment, etc.

Products for general colds such as

  • Oils, baths, teas, or hot drinks
  • e.g. Po-Ho oil, Pulmex vapor bath etc.

Dry-eye treatments and other undifferentiated remedies

  • Products for moistening the eyes
  • e.g. Bepanthen eye drops, autologous serum eye drops etc.

Home-made products or products prepared to a doctor's specifications

  • If the active substance and/or indication of the formulation can be assigned to a product on this list or the list of pharmaceutical products with special applications (www.lppv.ch)
  • e.g. formulations containing dehydroepiandrosterone (DHEA), minoxidil solution for topical application etc.

Supplementary outpatient insurance for medical treatment abroad

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

Scheduled outpatient treatments (no overnight stay in hospital)  

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: 

  • Outpatient treatment by doctors and hospitals, including the therapies prescribed by them, which are covered in Switzerland by basic insurance in accordance with the Health Insurance Act 
  • Medicines that are directly comparable with those authorized by Swissmedic in Switzerland 

Medical emergency

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:

  • EU/EFTA countries: the relevant national tariff
  • Other countries: up to double the costs in accordance with tariffs at the insured's place of residence or place of work

AXA Healthcare also contributes to the costs of medical emergencies under supplementary outpatient and inpatient insurance (Health PLUS, Health COMPLET, and Accident – Private). 

Travel expenses for a person close to the insured

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):  

  • Accommodation and meals
  • Return air fare (economy)

Benefits that are not covered

This denotes those procedures that are excluded in accordance with our General Insurance Conditions (section C3). These include, but are not limited to:

  • Cosmetic treatments and operations
  • In vitro fertilization and infertility treatments
  • Gender reassignment surgery
  • Procedures that do not focus primarily on treatment for illness or accident

Supplementary outpatient insurance for non-medical psychotherapy

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

To ensure that people with mental health issues can access psychotherapy more easily and more rapidly, since July 1, 2022, it has been possible for psychotherapists to work independently with the costs covered by basic insurance. The law provides for a transitional period until December 31, 2022, to cover the change in the system. Thereafter, psychotherapy services will only be reimbursed for treatments by therapists who have been approved by basic insurance. Individual details of how the change will be implemented are still being negotiated by the parties involved, and the results of these negotiations will be communicated by AXA.

For all psychotherapists who do not yet satisfy the requirements for reimbursement under basic insurance, there will be a transitional period until December 31, 2022. Up until this date, reimbursement will take place under supplementary insurance. 

AXA Healthcare will cover the costs of psychotherapy services in accordance with the prevailing General Insurance Conditions (GIC) and Supplementary Insurance Conditions of the PLUS, COMPLET, and Accident – Private products.

Valid as at July 2022

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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