Is your basic insurance insufficient? Add important benefits to your outpatient insurance cover.
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.
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.
TOP covers 75% of the costs up to CHF 10,000 per year for your child's orthodontic treatments until they reach age 20. You benefit from the same co-payment of medical costs for treatments abroad as you do in Switzerland. However, the maximum amount you receive is the actual costs up to the amount the treatment would have cost in Switzerland. However, this is subject to the condition that the foreign dentist has training equivalent to dentists in Switzerland.
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 terminate the insurance on 31 December of each year and switch to another health insurance company in Switzerland. Three months’ notice of termination must be given. Notice of termination 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 termination must reach us by no later than the last working day in November.
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.
You may also be interested in the following supplementary insurance:
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