Los seguros complementarios en Suiza
Completa tu cobertura LAMal con seguros LCA adaptados a tus necesidades y las de tu familia.
En Suiza, el seguro de salud básico (LAMal) cubre las prestaciones esenciales, pero muchos servicios corren por tu cuenta. Los seguros complementarios, regulados por la Ley del contrato de seguro (LCA), permiten ampliar tu cobertura según tus necesidades específicas. A diferencia del seguro básico, los aseguradores complementarios pueden rechazar tu solicitud o aplicar reservas. Por eso es crucial entender bien las opciones disponibles antes de elegir.
Difference between LAMal and LCA supplementary insurance
Basic LAMal insurance is compulsory for anyone residing in Switzerland. It offers a catalog of services identical to all insurers, with premiums which vary only according to the canton, the insurance model and the deductible chosen. Insurers cannot refuse a candidate or apply reservations.
LCA supplementary insurance works according to a completely different principle. Each insurer freely defines its services, premiums and admission conditions. A health questionnaire is required, and the insurer may refuse your request or exclude certain pre-existing conditions. Premiums depend on your age, gender and health.
Types of supplementary insurance
Private or semi-private hospitalization
This supplement gives you access to a single room (private) or two beds (semi-private), free choice of doctor and hospitalization throughout Switzerland. Premiums vary from CHF 100 to CHF 600 per month depending on the level of coverage and your age.
Dental insurance
Dental care is not covered by LAMal (except accidents). Supplementary dental insurance typically reimburses 50 to 75% of costs up to an annual ceiling of CHF 2,000 to CHF 5,000. It is strongly recommended to take out this insurance upon your arrival, or even for your children from a very young age.
Glasses and optics
LAMal has no longer reimbursed glasses for adults since 2011. Optical supplement covers CHF 150 to CHF 300 per year for glasses or contact lenses.
Alternative medicines
Acupuncture, osteopathy, naturopathy, homeopathy: these therapies are partially covered by certain complementary treatments. Check that your practitioner is recognized by the insurer (ASCA or RME label).
Travel and evacuation insurance
Essential for expatriates who travel frequently, this coverage covers medical expenses abroad, medical repatriation and trip cancellation. The cost is low: CHF 50 to CHF 150 per year.
Comparison of the main insurers
The five largest complementary insurers in Switzerland offer varied ranges. Premiums shown are monthly ranges for an adult aged 30-40.
| Insurer | Highlights | Monthly range |
|---|---|---|
| Helsana | Large network, complete dental coverage, powerful app | CHF 80 – CHF 450 |
| CSS | Good glasses packages, alternative medicines well covered | CHF 75 – CHF 420 |
| Swica | Excellent customer service, generous prevention programs | CHF 90 – CHF 480 |
| Mutual Group | Competitive prices, advantageous combined offers | CHF 70 – CHF 400 |
| Assured | Lowest premiums, solid essential coverage | CHF 60 – CHF 350 |
Health questionnaire and reservations
When you apply, you must complete a detailed health questionnaire generally covering the last 5 to 10 years. Any omission or false declaration may result in termination of the contract and non-reimbursement of services.
If you have a medical history, the insurer may apply reservations (temporary or permanent exclusions) or refuse your request. Reserves are generally limited to 5 years for hospital supplements.
Tips for choosing wisely
- • Subscribe to complementary insurance within 3 months of your arrival in Switzerland, even before having a local medical history
- • Insure your children from birth to avoid future reserves
- • Compare offers on platforms like Comparis.ch or Bonus.ch
- • Choose a combined pack from the same insurer to benefit from discounts
- • Check the waiting times before the first reimbursement (often 6 to 12 months for dental)
- • Never cancel your old supplement before receiving confirmation of the new one.
Servicios relacionados
Guías útiles
Preguntas frecuentes
¿Qué debo hacer si mi solicitud de seguro complementario es rechazada por razones de salud?
¿Es necesario asegurar a los niños en complementario?
¿Puedo cambiar fácilmente de aseguradora complementaria?
¿Listo para empezar tu nueva vida en Suiza?
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