You benefit from the advantages of supplementary hospital insurance during outpatient procedures: free choice of doctor, increased comfort and much more.
With PRIMEO supplementary insurance, you receive the following benefits in addition to those covered by basic insurance:
You receive up to CHF 1,700 every three calendar years for various check-up programmes such as medical check-ups or check-ups related to movement, nutrition or stress reduction.
What does your basic insurance cover?
Basic insurance does not cover any costs.
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 combine PRIMEO with supplementary hospital insurance for inpatient hospital stays in a semi-private (two-bed room) or private ward (one-bed room), you will receive the following discount on your monthly PRIMEO premium:
If you conclude a three or five-year insurance policy, you receive a premium discount of 3% or 5% respectively.
If you have equivalent accident insurance, you can exclude the accident cover and reduce your premium by 10%.
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%.
You may also be interested in the following supplementary insurance:
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