Is your basic insurance insufficient? Add important benefits to your outpatient insurance cover.

  • CHF 150 per year towards spectacle lenses and contact lenses
  • Contributions towards emergency treatments abroad
  • Contributions towards ambulance costs in Switzerland and abroad

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Your premium

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Insured benefits

With TOP supplementary insurance, you receive the following benefits in addition to those covered by basic insurance:

For inpatient and outpatient emergency treatment in EU and EFTA countries and in the United Kingdom, 100% of costs that exceed the benefits covered by basic insurance are covered. All co-payment of medical costs abroad is covered where these costs exceed CHF 300. In other countries not mentioned above, 100% of the costs that exceed the benefits covered by basic insurance are covered, but you must pay the Swiss co-payment (annual deductible and excess) yourself.

You get 90% of the costs of spectacle lenses and contact lenses up to CHF 150 per calendar year

What does your basic insurance cover?

Children and young people up to the age of 18 receive CHF 180 per year towards spectacle lenses and contact lenses.

Up to the age of 20, you receive 75% of the costs, up to CHF 10,000 per calendar year, for the correction of tooth and jaw misalignment (e.g. braces) and removal of the wisdom teeth. 

You receive 75% of the costs of special forms of treatment, such as non-medical psychotherapy, sterilisation, vasectomy and many more, up to a maximum of CHF 3,000 per calendar year.

In addition to the transportation benefits provided by basic insurance, you receive up to CHF 100,000 per calendar year for rescue, recovery and emergency transport in Switzerland. 

You receive 90% of the costs of conventional medications that are not covered by basic insurance. 

You receive the total costs for transportation to the nearest suitable hospital. 

You get 90% of the costs of medically prescribed aids and equipment (e.g. blood pressure monitors, shoe inserts, etc.) up to CHF 1,000 per calendar year.

You receive legal advice and representation as well as a refund per legal case of up to CHF 250,000 in Europe and up to CHF 50,000 outside of Europe. 

You benefit from free telephone travel advice from Travelcheck. You can reach the team of advisors 24 hours a day on 058 340 16 22

Advantages for persons insured with supplementary insurance

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Frequently asked questions

Supplementary outpatient insurances – also referred to as supplementary healthcare insurances – round out your basic insurance and close key gaps in coverage. They assume the costs of various treatments such as psychotherapy and complementary medicine and make contributions towards fitness courses and gym memberships, medications, orthodontic treatments and surgeries, rescue costs abroad and much more.

Yes, with TOP supplementary insurance you are sufficiently insured against medical emergencies while travelling abroad: Within the EU/EFTA, the costs for outpatient and inpatient emergency treatment are already covered by basic insurance. Under the agreement on the free movement of persons, you are entitled to the same access to public healthcare – doctors, pharmacies, hospitals and ambulances – as residents of the country you are staying in. You only pay any applicable local statutory co-payments.

In other countries, your basic insurance will cover up to twice the cost of the same treatment in Switzerland. If treatment costs abroad are more expensive – which is often the case in countries with high medical costs, such as the US, Japan, Canada and Australia – TOP covers the costs in excess of this amount.

In the event of an emergency abroad, you should always contact our Emergency Call Centre on 058 340 16 11.

No, not if the strength of your eyeglasses (in dioptres) is indicated on the optician's invoice.

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Other supplementary insurance

You may also be interested in the following supplementary insurance:


All the benefits of TOP and SANA – in some cases with higher reimbursements.


Your supplement: Outpatient benefits and alternative treatments are covered.

Helsana Advocare EXTRA

Global Internet, civil and motorists’ legal expenses insurance.

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