With the free premium comparison from Nexin, you can quickly and easily find the right supplementary insurance — whether outpatient or inpatient. Switzerland offers a wide range of attractive options. Our comparison gives you a transparent overview of benefits and premiums, helping you find the best supplementary insurance for your individual needs.
A supplementary insurance complements the benefits of mandatory basic health insurance in Switzerland. It covers costs that are not included in basic insurance — such as for glasses, dental treatments, alternative medicine, or a more comfortable hospital stay. A distinction is made between outpatient supplementary insurance and hospital supplementary insurance.
Benefits and premiums can vary significantly depending on the insurer. In addition, premiums depend on the insured person’s age and health status. Before taking out a policy, health insurers typically require a completed health questionnaire.
Admission to a supplementary insurance plan is not guaranteed. Health insurers usually assess the applicant’s health status and age before concluding the contract. These factors influence both the admission decision and the premium amount.
With the supplementary insurance comparison from Nexin, you can check in advance, without obligation, whether any potential exclusions apply. This way, you quickly gain clarity — with no risk.
Outpatient treatments are provided without an inpatient stay — meaning without an overnight stay in the hospital. An outpatient supplementary insurance complements basic insurance and covers services that are otherwise not included.
Typical benefits of an outpatient supplementary insurance:
- Contribution to fitness, wellness, and health centers (e.g. swimming pool subscription, back training)
- Travel vaccinations and preventive check-ups not covered by basic insurance
- Additional health checks for early detection of illnesses
- Glasses and contact lenses — beyond the coverage of basic insurance
- Dental treatments and dental hygiene (usually via separate dental supplementary insurance)
- Coverage of home care costs (e.g. Spitex services)
- Medical treatment costs abroad, including outside the EU/EFTA
- Prescribed medications not covered by basic insurance
- Additional pregnancy examinations (e.g. 3D ultrasound, non-covered tests)
- Alternative healing methods such as homeopathy, acupuncture, or natural therapies
- Psychotherapeutic treatments not or only partially covered by basic insurance
- Emergency and repatriation transport from abroad to Switzerland
With a hospital supplementary insurance, you secure more comfort, better medical care, and additional choices in the event of a hospital stay. These insurances cover costs beyond basic coverage and can provide free choice of doctors or better accommodation.
Hospital supplementary insurance is typically divided into three main categories:
Private Ward
The private hospital supplementary insurance offers the highest level of comfort. Insured persons benefit from:
- Single room with premium amenities
- Treatment by senior consultants or head physicians
- Choice of meals and additional services
- Treatment at a hospital of their choice (even outside their canton of residence)
Semi-private Ward
The semi-private supplementary insurance is a popular mid-range option. Benefits include:
- Double room with more privacy
- Treatment by senior physicians
- Free choice of doctors within the general ward
General Ward with Free Choice of Doctor
Some insurers offer extended general coverage with free choice of doctor. This means:
- Accommodation in a general ward (shared room)
- Free choice of doctor — often also outside the canton of residence
Which hospital supplementary insurance is right for you depends on your individual needs, comfort preferences, and desired level of coverage. The transparent comparison on nexin.ch helps you quickly and easily find the right option.