Supplementary insurance
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- In less than 2 minutes
- Basic and supplementary insurance
- Save up to CHF 970 per year
The advantages of supplementary insurance
Supplemental insurance offers many benefits to expand your health care coverage and receive additional services. These include:
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Extended benefits: Supplemental insurance gives you access to benefits beyond those covered by mandatory basic insurance. These include, for example, dental treatment, alternative medicine, hospital comfort, visual aids and much more.
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Flexibility and choice: With supplemental insurance, you can customize your coverage. You have the option to choose the services that best suit your needs from various modules and packages.
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Improved health care: Supplemental insurance often provides comprehensive preventive and screening services, such as regular health checks and vaccinations, to detect and treat potential health problems early.
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Comfort and convenience: supplemental insurance plans often offer additional services that increase your comfort, such as priority appointments and faster treatment times.
Supplemental insurance can provide you with an expanded scope of care, customization options and added convenience to best support your health.
Selection of the appropriate supplementary insurance
When choosing a supplemental insurance plan, consider the following factors:
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Scope of benefits: Consider what specific benefits are important to you and choose a supplemental insurance plan that covers them.
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Premium costs: Compare the premiums of different providers and pay attention to the price-performance ratio.
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Insurance Terms and Conditions: Read the terms carefully to understand limitations and exclusions.
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Reputation and customer service: Find out about the insurance company’s reputation and customer satisfaction. Testimonials from other customers can help you get an idea of the quality of customer service.
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Flexibility: check to see if the supplemental insurance offers flexible options to fit your needs.
In addition, Groupe Mutuel offers expert advisors who can help you decide on the right supplementary insurance. Our experienced advisors are available to answer your questions and help you choose the best coverage. You can rely on their knowledge and expertise to find the right supplemental insurance plan according to your individual needs.
The insurer has these rights
The insurer has certain rights to adjust its benefits and adapt the insurance coverage to the current conditions. These include:
- Change of service providers: The insurer may change the selection of service providers, such as doctors or clinics, in order to ensure the quality of the services or to respond to new medical findings.
- Modification of forms of therapy according to new medical findings: The insurer may adjust its benefits and introduce new forms of therapy to meet current medical standards.
- Adjustment clauses in supplementary insurances: Supplementary insurance policies may contain clauses that allow the insurer to adjust its benefits if the benefits in the mandatory basic insurance change.
The insured person has a special right of termination after such changes become known. This gives the insured the opportunity to cancel their insurance contract and switch to another provider if necessary. These adjustments are important to address new medical evidence and ensure quality of services. However, the premium amount should always correspond to the insured benefits. This means that if benefits are reduced, premiums should also be reduced accordingly. However, it is not permissible for the insurer to reduce promised benefits and, for example, reduce co-payments or other benefit amounts.
Frequently asked questions about supplementary insurance
When should you change health insurance companies?
It is advisable to check your health insurance at least once a year and change if necessary if you find better offers or benefits. Special occasions such as a job change, family planning or illness can also be a reason to review and, if necessary, change health insurance providers.
Which health insurance is the best?
There is no clear-cut answer to the question of which health insurance is best, as this depends on individual needs and preferences. However, a health insurance comparison can help you find the best health insurance plan for you.
If you are looking for a top health insurance company, you should definitely try GroupeMutuel – one of the best health insurance companies on the market.
Why should you change health insurance companies?
There are many reasons why you can switch health insurance companies, such as better benefits, lower premiums or better customer service. It’s important to review your health insurance regularly to make sure you have the best possible health insurance for your needs.
What are health insurance premiums?
Health insurance premiums are the monthly costs that must be paid for health insurance. The amount of the premiums depends on various factors, such as age, gender and the scope of benefits provided by the health insurance company.
How to change the health insurance company?
Changing health insurance is simple and straightforward. You can request the switch online or by phone. It is important that you have the necessary documentation, such as your health insurance card, ready. A health insurance comparison can help you find the best health insurance for your needs and make the switch as easy and quick as possible.
