In Switzerland, health insurance is not only a social obligation, but also a legal requirement. Every resident must have basic insurance to ensure access to basic medical services. Health insurance systems are designed both to promote the health of the population and to provide financial security in the event of illness. With a dense network of insurance providers, everyone has the opportunity to choose insurance that is tailored to their needs.

Basic insurance

Basic insurance, also known as compulsory health insurance (OKP), covers a wide range of standardized benefits that are necessary for the treatment of illnesses and the maintenance of health. This includes visits to the doctor, inpatient treatment, certain medical examinations and more. Everyone living in Switzerland must take out this basic insurance, regardless of their age or state of health. Premiums vary depending on the insurer and the model chosen, but they are not dependent on the insured person's state of health.

Advantages of basic insurance

• Access to basic medical care: Every insured person has the right to the same basic services.
• Free choice of doctor: In most cases, insured persons are free to choose their doctor, depending on the type of insurance policy chosen.
• Illness and accident cover: Basic insurance provides cover in the event of illness and accident (unless otherwise insured).

Supplementary insurance

In addition to the compulsory basic insurance, it is possible to take out one or more supplementary insurance policies. These are voluntary and cover benefits that go beyond the scope of basic insurance. These include, for example, alternative medicine, private or semi-private hospital stays, dental treatment and much more. Supplementary insurance policies offer customized insurance cover and can be tailored to the individual's personal needs and wishes.

Advantages of supplementary insurance

• Extended medical benefits: Access to treatments and medicine that go beyond compulsory insurance.
• Flexibility: Different packages allow policyholders to choose the options that suit them.
• Comfort: Better hospital accommodation and access to private healthcare providers.

The choice of the right health insurance company and the decision between basic and supplementary insurance should be made carefully. As an experienced insurance broker, HELVETICA OPTIMUM offers advice and support to ensure that you and your family are OPTIMALLY INSURED. Take advantage of HELVETICA OPTIMUM's expertise to optimize your healthcare in Switzerland.