TOP
Is your basic insurance insufficient? Add important benefits to your outpatient insurance cover.
Insured benefits
With TOP supplementary insurance, you receive the following benefits in addition to the statutory benefits covered by basic insurance:
For inpatient and outpatient emergency treatment within EU/EFTA/UK, 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 can reach our Emergency Call Centre 24 hours a day on 058 340 16 11.
Requirements for inpatient treatment
- You are temporarily abroad.
- A journey home or transportation to Switzerland is not reasonable.
- You allow our Emergency Call Centre to handle every stage of the organisation.
Requirements for outpatient treatment
- You are temporarily abroad.
What does your basic insurance cover?
Within EU/EFTA/UK, it covers the costs in accordance with the social tariff of the respective country of temporary residence. In other countries, it covers a maximum of twice the cost of the same treatment had it been provided in Switzerland (tariff of the canton of residence).
For more information, please contact Customer Service International on 058 340 13 55.
Take your insurance card with you when you travel and always have it on you. The uniformly designed back of the card is valid as a European Health Insurance Card and is recognised within EU/EFTA/UK.
You get 90% of the costs of spectacle lenses and contact lenses up to a maximum ofCHF 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.
What do you have to bear in mind?
- Our contribution will be reduced by any contribution to costs that you receive from school or youth dental care programmes.
- You are not entitled to any contribution for consumables such as toothbrushes, toothpaste or dental floss.
How are your costs billed?
Tooth and jaw misalignment corrections and wisdom tooth removals are charged according to the tariffs of the Swiss Association of Dentists (SSO).
Are you planning a treatment abroad?
For the correction of misaligned teeth or removal of the wisdom teeth, 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.
Requirements
- The person performing the treatment has dental training that is equivalent to dentists in Switzerland.
- The costs may not exceed the costs in Switzerland.
What does your basic insurance cover?
Basic insurance does not cover any costs.
Requirements
- Your treatment has been prescribed by a doctor.
- Depending on the treatment, a prior request for cost approval may be required.
- The attending physician or therapist is recognised by us.
- The special form of treatment is recognised by us.
What does your basic insurance cover?
Basic insurance does not cover any costs for these special forms of treatment.
Exception: Since 1 July 2022, the costs of non-medical psychotherapy provided by psychotherapists who fulfil the legal approval requirements and perform treatment in accordance with the principles and methods laid down in the Swiss Health Insurance Benefits Ordinance are covered under compulsory basic insurance rather than supplementary insurance.
What do you have to bear in mind?
Coverage applies to all domestic rescue, recovery, relocation and emergency transports per calendar year.
What does your basic insurance cover?
It only covers 50% of the costs per year (a maximum of CHF 500 for transport and a maximum of CHF 5,000 for rescue operations).
Requirements
All applied remedies are medically prescribed and recognised by the Swiss Agency for Therapeutic Products Swissmedic. Medications included in the list of pharmaceutical products with special uses (LPPV) or the supplementary list, or covered by basic insurance, are excluded.
What does your basic insurance cover?
It only covers medically prescribed medications that are on the specialities list (SL).
Is there a search for a missing person?
We cover up to CHF 20,000 per case for search operations undertaken for the purpose of rescuing or recovering you.
Is there a need for repatriation?
We cover the full costs of repatriation to a Swiss hospital in your canton of residence.
Does a closely related person wish to visit you?
If you are hospitalised abroad for more than seven days, we will arrange for a person of your choice to visit you. We will cover the costs for outward and return travel as well as up to CHF 200 per day and CHF 1,000 per event of the costs for your visitor's room and board.
Note: For flights, we only cover the price of economy-class tickets.
Are you unable to return home as planned due to a hospital stay?
We cover the costs of rebooking your return flight. If you cannot be booked onto another flight, we will cover the costs of a return flight in economy class. In this case we require your expired return ticket.
Requirements
- You allow our Emergency Call Centre to handle every stage of the organisation.
- A doctor authorised by us confirms that your repatriation is a necessity.
What does your basic insurance cover?
Basic insurance does not cover any costs.
Requirements
- The medical aids and equipment that you obtain are recognised by us.
- For reusable aids, we cover the costs up to the fixed amount.
What is recognised?
You can find all recognised aids and equipment on the following lists:
What does your basic insurance cover?
Only the statutorily defined maximum costs for medical aids and equipment prescribed by a doctor that is included on the medical aids and equipment list (MiGeL) are covered.
You receive the costs of lawyers’ fees, court and trial costs, expert opinions and party compensation.
Legal protection in health matters
The insurance covers disputes with doctors, hospitals and social and private insurance institutions
Legal expenses cover abroad
This insurance covers disputes in your capacity as the driver, hirer or user of transportation or as a pedestrian during holidays and while attending foreign schools (including transport to and from the school)
What does your basic insurance cover?
Basic insurance does not cover any costs.
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
Downloads
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/UK, 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 glasses (in dioptres) is indicated on the optician’s invoice.
TOP covers 75% of the costs up to CHF 10,000 per year for the correction of misaligned teeth for your child 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. A notice period of three months applies. 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.
- 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%.
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.
Other supplementary insurance
You may also be interested in the following supplementary insurance:
Do you have questions?
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