PRIMEO
You benefit from the advantages of supplementary hospital insurance during outpatient procedures: free choice of doctor, increased comfort and much more.
First-class service for claims under PRIMEO
Call Customer service 
Receiving advice 
Consult specialists
- Please phone us before any planned outpatient treatment or check-up: 0844 80 81 82.
- We will advise you on all matters and inform you about the next steps.
- You consult the specialists and get the benefits.
Insured benefits
Benefit from the advantages of supplementary hospital insurance. With PRIMEO supplementary insurance, you receive the following benefits in addition to those covered by basic insurance:
Requirement
The Health Care Benefits Ordinance (KLV) requires your outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
You spend the night before and/or after an outpatient procedure at a hospital recognised by us or at a hotel designated by the hospital. When you do so, you will enjoy the following comfort benefits:
- No waiting time on the day of treatment
- Private relaxation and recovery zone following the procedure
- Fee access to the Internet, radio, TV, newspapers and magazines
- Snacks and drinks for the patient and accompanying person
- Free parking or a taxi home
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs.
What do you have to bear in mind?
You do not receive any contributions for excesses of other social insurance institutions such as AHV or disability insurance.
What does your basic insurance cover?
You receive a contribution from basic insurance for the medical aids and equipment. However, it does not cover the full costs. You are only reimbursed for the statutorily defined maximum costs for medical aids and equipment prescribed by a doctor that are included on the medical aids and equipment list (MiGeL).
Requirement
The diagnosis or treatment method is recognised by us. If you are interested in an innovative treatment form, please consult your doctor. Most tests are only carried out and reimbursed if prescribed by a doctor (e.g. genetic analyses).
What does your basic insurance cover?
Basic insurance does not cover any costs.
What do you have to bear in mind?
- Please contact Client Services to obtain a cost approval in advance.
- The same contribution limits on treatments apply as in Switzerland (e.g. for comfort benefits, overnight stays, free choice of doctor and hospital, etc.).
What does your basic insurance cover?
Basic insurance does not cover any costs.
Conditions
- The household help is prescribed for you by a doctor.
- The Health Care Benefits Ordinance (KLV) requires your outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
What does your basic insurance cover?
Basic insurance does not cover any costs. You must pay for the household help.
Requirement
Transport is related to an outpatient treatment that is covered by basic insurance or by PRIMEO.
What does your basic insurance cover?
Basic insurance does not cover any costs.
Conditions
- The childcare must be scheduled via our Emergency Call Centre. You can reach us 24/7 on 058 340 16 11.
- The Health Care Benefits Ordinance (KLV) requires the child’s outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs. You must pay for childcare yourself.
Conditions
- The childcare must be scheduled via our Emergency Call Centre. You can reach us 24/7 on 058 340 16 11.
- The Health Care Benefits Ordinance (KLV) requires the parent’s/legal guardian’s outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs. You must pay for the nanny service yourself.
Conditions
The Health Care Benefits Ordinance (KLV) requires your outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
You and your accompanying person spend the night before and/or after an outpatient procedure at a hospital recognised by us or at a hotel. When you do so, you will enjoy the following comfort benefits:
- No waiting time on the day of treatment
- Private relaxation and recovery zone following the treatment
- Free access to the Internet, radio, TV, newspapers and magazines
- Snacks and beverages for the patient and their accompanying person
- Free parking space or taxi home
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs.
Conditions
- The Health Care Benefits Ordinance (KLV) requires your outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
- You must visit the thermal baths within 30 days after the outpatient procedure.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs for the thermal baths.
Conditions
- The Health Care Benefits Ordinance (KLV) requires your outpatient treatment to be carried out on an outpatient basis (“outpatient before inpatient” principle) or there is a contractual agreement with the service provider.
- Your pets are not being cared for by a person living in the same household as you.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any pet care costs.
Requirements
- The procedure is performed on an outpatient basis.
- It concerns a statutory benefit. This means that basic insurance covers part of the costs.
What do you have to bear in mind?
Dental implants are excluded.
Advantages for persons insured with supplementary insurance
Downloads
Frequently asked questions
Thanks to the latest advances in medicine, more and more operations – e.g. to treat bunions, hernias, tendinitis or tennis elbow, tonsillectomies, or knee arthroscopies – are being performed on an outpatient basis. This means you leave the hospital on the same day.
However, outpatient procedures are only covered in accordance with the statutory benefits provided under basic insurance. Supplementary hospital insurance only covers inpatient treatments for which you must remain in hospital for at least one night. For this reason, the benefits of your supplementary hospital insurance (for example, staying on a semi-private or private ward, free choice of doctor, etc.) unfortunately do not apply for outpatient operations.
So if you would like to enjoy the free choice of doctor and more comfort while in hospital when undergoing outpatient treatment too, you must either pay for these yourself or take out PRIMEO supplementary healthcare insurance cover. PRIMEO closes precisely these gaps in coverage and allows you to enjoy the benefits of semi-private or private hospital cover when receiving outpatient treatment.
With outpatient procedures, it is not medically necessary to stay in hospital overnight. Nevertheless, some patients prefer to spend the night in hospital because they live far away or the procedure is scheduled early in the morning.
However, you do not have to stay in hospital. You can also stay at a hotel referred by the hospital.
Precisely because you leave hospital the same day it is important that you feel completely comfortable both before and after the procedure. With comfort benefits, your time in hospital will be as comfortable as possible, and you can return home in the evening with a good feeling.
Yes. You can generally request reimbursement of the costs to stay overnight for all outpatient treatment covered by PRIMEO.
You must reside in Switzerland (official place of residence) and have an accepted health declaration in order to take out the insurance.
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year
You can cancel the insurance with effect from 31 December of each year and switch to another health insurance company in Switzerland. Three months' notice of cancellation must be given. Notice of cancellation must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of cancellation must reach us by no later than the last working day in November.
A waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
For maternity benefits, there is a waiting period of 365 days. That means you cannot claim these benefits before the end of the first insurance year.
- If you insure your family members under the same contract, we will grant you a family discount. For two or more family members, you can benefit from a discount of 5% on this and other supplementary insurance; for three or more insured family members, the discount is 10%.
Other supplementary insurance
You may also be interested in the following supplementary insurance:
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