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Supplementary health insurance

Whether it's glasses, gym membership or dental braces for the children: Health issues can quickly make a big hole in your budget. Our supplementary health insurance products provide you and your family with optimum coverage. We can also help you tailor your basic health insurance and make savings on premiums every year.

  • Attractive supplementary health insurance
  • Save money thanks to the free choice of basic insurance
  • Submit all medical bills digitally

Questions about the offer
0800 888 999

Our products

Our supplementary health insurance products provide you and your family with optimum coverage.

Health

For glasses, vaccinations, correcting tooth misalignments in children, for complementary medicine, preventive measures and fitness

Hospital

For free choice of hospital and physician, emergency treatment abroad, and additional inpatient benefits

Teeth

For dental treatment, dental corrections for adults, dental hygiene, and bleaching

Switching service for basic insurance

Compare prices, obtain offers, write notice of termination – all of which is time-consuming. As a customer with supplementary insurance, each fall you receive from us a proposal for the most cost-efficient basic insurance available. If you decide to accept the proposal, we do the administration for you. Which means each year you save on premiums without having to do anything. Find out more by watching our explanatory video.

Get expert advice

Arrange a non-binding appointment with one of our advisors close to your home. He or she will be able to provide you with comprehensive information on the benefits we provide and where you can make savings.

FAQ – the Swiss healthcare system

  • What is the difference between basic health insurance and supplementary health 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 risks omitted from 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.

  • How can I reduce my basic health insurance costs?

    There are three ways to save money on your basic health insurance cover:

    • Change your provider: This option usually promises the biggest savings – and your benefits remain unchanged.
    • Change your insurance model: The standard model with free choice of physician is generally the most expensive, and Telmed is normally the least expensive option. With this model, you call a medical hotline before consulting a doctor.
    • Adjust your excess: A higher excess means a lower premium because you pay more of your healthcare costs from your own pocket. 
  • What basic health insurance models are there?

    These are the typical models:

    • Standard: This model allows you to go straight to the doctor or specialist of your choice.
    • General practitioner: With this model you must always consult your general practitioner first (except in emergencies). He/she will refer you to a specialist if necessary.
    • HMO (Health Maintenance Organization): Your first port of call under this model is an HMO practice designated by your basic health insurance. HMO practices are where GPs, specialists and/or therapists work together under one roof.
    • Telmed: With this model, you must always call the medical advice line of your basic insurance before consulting a doctor or specialist.

    Depending on the plan you choose, you can benefit from lower insurance premiums.

  • What excess should I choose for my basic health insurance?

    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.

  • How do I know whether it is better to include accident cover in my basic health insurance or pay the costs myself?

    In Switzerland, all working persons are insured against accidents by their employer, provided they work eight hours or more per week. This applies to accidents both at work and in leisure time. To obtain better coverage, you can take out an additional accident module as part of your supplementary health insurance.

  • How do I know which is the best basic insurance?

    The benefits offered under basic health insurance are prescribed by law, i.e., they are the same no matter who you are insured with . Services are thus the only point of difference between insurers. These include the time taken to settle bills and the type of customer service offered. As an AXA customer, you can make use of our free service to switch basic insurance provider: Once a year, we send you a proposal to switch to the lowest-cost provider.

  • What benefits are paid under basic health insurance?

    Basic health insurance is mandatory in Switzerland and ensures basic medical protection in cases of illness or pregnancy. Basic insurance does not cover all areas. For example, it does not cover
    complementary medicine, preventive measures, the correction of tooth misalignments, or glasses for adults. Such risks are covered by supplementary insurance products.

  • How can I change my basic insurance provider?

    As providers of basic insurance are obligated by law to accept new applicants, you can change your provider once a year without any problems. The prerequisite is that you have paid your premiums on time. The annual termination date for all providers is December 31. Your current provider must receive your notice of termination by November 30 at the latest. As an AXA customer, you can make use of our free service to switch basic insurance provider: Once a year, we send you a proposal to switch to the lowest-cost provider. If you decide to accept the proposal, we do the administration for you.

  • Are my benefits likely to be reduced if my basic insurance and supplementary insurance are with different providers (splitting)?

    No, basic-insurance benefits cannot be reduced as they are prescribed by law. The only difference is that you may have more administrative effort. After all, in the case of splitting you have to send your bills to two different insurers. However, our service package for supplementary insurance customers provides an innovative solution: we not only take care of all the red tape involved in changing your basic insurance provider, we also make sure that your bills are always passed on to your respective provider of basic insurance.

  • What do you need to watch out for when terminating your supplementary insurance cover?

    In most cases, supplementary insurance products may be terminated on December 31 of any year subject to a three-month notice period. You should not terminate your existing cover until your new insurer has confirmed acceptance because providers of supplementary insurance are not obligated to accept every applicant. Depending on the information provided in your health declaration, providers of supplementary health insurance may reject your application or accept it subject to conditions.

FAQ – The benefits we provide

  • What advantages does AXA Healthcare offer?

    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 do not collect any commissions on basic insurance.

  • Which supplementary insurance options does AXA offer?

    Our products include both healthcare (outpatient) and hospital services (inpatient). In the outpatient segment, we contribute toward the cost of glasses and lenses, gym membership and complementary medicine. With regard to hospital options you can choose between general, semi-private or private coverage. There's also the flexible option of deciding on the level of comfort each time you enroll into hospital.

    Our product range

  • What benefits do AXA’s supplementary health insurance solutions cover?

    Our supplementary healthcare insurance solutions cover up to CHF 300 for gym membership fees and for glasses or contact lenses as well as CHF 3,000 for complementary medicine. In addition, we cover up to 90% of the cost of vaccinations and medicines. For children, we pay up to CHF 12,000 per year towards the correction of tooth misalignments. With supplementary hospital insurance you have a free choice of doctor and hospital, and we cover up to 100% of the costs of emergency treatement abroad. If you conclude a dental option, we will pay up to CHF 3,000 towards dental treatment and correcting tooth misalignments, and up to CHF 500 for dental hygiene and bleaching.

    Our product range

  • When do I need healthcare insurance that covers outpatient benefits?

    Healthcare insurance products bridge many of the gaps in basic insurance cover.

    For instance, if you value complementary medicine and do a lot of sport, AXA’s Health ACTIF product is a good choice. It pays part of the cost of gym membership and offers a wide array of recognized complementary medical treatments. By contrast, basic insurance only covers treatments administered by doctors.

    Health PLUS supplementary insurance pays part of the cost of glasses and contact lenses (basic insurance excludes these for adults), medicines not covered by basic insurance, as well as expensive rescue and recovery operations following emergencies in Switzerland and abroad. Of particular value here are the large amounts paid towards correcting tooth misalignments in children.

    If you would like to combine the benefits of both these products, then Health COMPLET is the right solution for you. Everything is included in this option, and you benefit from higher contributions within the various benefit categories.

    Our product range

  • When is hospitalization insurance advisable?

    Basic insurance covers hospital stays in multi-bed general wards. You are not free to choose your own hospital or doctor. The more comfortable option of a double or single room is only possible with a semi-private or private supplementary insurance. “Flex” hospitalization 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.

    Our product range

  • What advantages does dental insurance for children offer?

    Correcting tooth misalignments in children can cost up to CHF 15,000 and is not generally covered by basic health insurance. Supplementary dental cover should be taken out before your child turns five. Otherwise there is a danger that a misalignment is already foreseeable, in which case a large portion of the costs is not reimbursed. At AXA, dental corrections are included under some healthcare insurance products (Healthcare PLUS and COMPLET). 

  • Which vaccinations does AXA recognize?

    Within the framework of Health COMPLET and Health PLUS products, AXA covers 90% of the costs of all preventive vaccinations medically recognized in Switzerland. This also applies to protective vaccinations for vacations and trips abroad, to the extent that they are not covered by basic insurance.

  • Which doctors does AXA recognize?

    As a general rule, AXA recognizes all doctors licensed to work in Switzerland and whose names appear in the full official Register of Doctors in Switzerland. The register comprises more than 30,000 entries and is updated every day. Nevertheless, AXA reserves the right to exclude individual doctors without having to provide reasons for its decision.

  • Which psychotherapists does AXA recognize?

    As a general rule, AXA recognizes all psychotherapists who are members of the Association of Swiss Psychotherapists (ASP). Nevertheless, AXA reserves the right to exclude individual psychotherapists without having to provide reasons for its decision.

Lists of recognized benefits

Insurance provisions