Whether it's glasses, gym membership or dental braces for the children: Health issues can quickly make a big hole in your budget. Our supplementary health insurance products provide you and your family with optimum coverage. We can also help you tailor your basic health insurance and make savings on premiums every year.
Our supplementary health insurance products provide you and your family with optimum coverage. You will find all the details of the individual products in the benefits overview.
For glasses, vaccinations, correcting tooth misalignments in children, for complementary medicine, preventive measures and fitness
For free choice of hospital and physician, emergency treatment abroad, and additional inpatient benefits
For dental treatment, dental corrections for adults, dental hygiene, and bleaching
For a lump sum payment on death or disability
Changing basic insurer can save you money every year, but very few people actually make use of the option to switch. Because comparing prices, obtaining offers, terminating policies – all of this takes time. As a customer with supplementary insurance, each fall you receive from us a proposal for the most cost-efficient basic insurance available. If you accept the proposal, we take care of the switch for you. Which means each year you save on premiums without having to do anything. Find out more by watching our explanatory video.
Arrange a non-binding appointment with one of our advisors close to your home. He or she will be able to provide you with comprehensive information on the benefits we provide and where you can make savings.
Every resident of Switzerland must take out basic health insurance cover. Insurance providers are obligated to accept all applicants, regardless of their age or state of health. Infants can be registered up to three months after their date of birth, but it is also possible to register a child before it is born. Supplementary health insurance is concluded on a voluntary basis and covers risks omitted from basic insurance. As a rule, supplementary insurance products provide both outpatient and inpatient services. Unlike with basic insurance, insurers offering supplementary insurance are not obligated to accept every applicant.
There are three ways to save money on your basic health insurance cover:
These are the typical models:
Depending on the plan you choose, you can benefit from lower insurance premiums.
The excess is the amount in Swiss francs that you have to pay yourself before your basic insurance cover kicks in. Once you have reached this amount, you have to bear only 10% of the invoiced costs until you have reached the maximum amount of CHF 700 per year. It is advisable to select either the smallest or the highest excess, as the mid-range ones are definitely not worthwhile. You can adjust your excess once a year.
In Switzerland, all working persons are insured against accidents by their employer, provided they work eight hours or more per week. This applies to accidents both at work and in leisure time. To obtain better coverage, you can take out an additional accident module as part of your supplementary health insurance.
The benefits offered under basic health insurance are prescribed by law, i.e., they are the same no matter who you are insured with . Services are thus the only point of difference between insurers. These include the time taken to settle bills and the type of customer service offered. As an AXA customer, you can make use of our free service to switch basic insurance provider: Once a year, we send you a proposal to switch to the lowest-cost provider.
Basic health insurance is mandatory in Switzerland and ensures basic medical protection in cases of illness or pregnancy. There a many gaps in basic insurance cover. For example, it does not cover
complementary medicine, preventive measures, the correction of tooth misalignments, or glasses for adults. Such risks are covered by supplementary insurance products.
As providers of basic insurance are obligated by law to accept new applicants, you can change your provider once a year without any problems. The prerequisite is that you have paid your premiums on time. The annual termination date for all providers is December 31. Your current provider must receive your notice of termination by November 30 at the latest. As an AXA customer, you can make use of our free service to switch basic insurance provider: Once a year, we send you a proposal to switch to the lowest-cost provider. If you agree to this, we do the administration for you.
No, basic-insurance benefits cannot be reduced as they are prescribed by law. The only difference is that you may have more administrative effort. After all, in the case of splitting you have to send your bills to two different insurers. However, our service package for supplementary insurance customers provides an innovative solution: we not only take care of all the red tape involved in changing your basic insurance provider, we also make sure that your bills are always passed on to your respective provider of basic insurance.
In most cases, supplementary insurance products may be terminated on December 31 of any year subject to a three-month notice period. You should not terminate your existing cover until your new insurer has confirmed acceptance because providers of supplementary insurance are not obligated to accept every applicant. Depending on the information provided in your health declaration, providers of supplementary health insurance may reject your application or accept it subject to conditions.
In addition to our attractive range of supplementary health insurance products, we can assist you in exercising your freedom to choose your provider of basic health insurance. Although AXA does not offer basic health insurance itself, each year we can help you find the best solution in terms of price and quality. To ensure our advice is unbiased, we do not collect any commissions on basic insurance.
Our products include both healthcare (outpatient) and hospital services (inpatient). In the outpatient segment, we contribute toward the cost of glasses and lenses, gym membership and complementary medicine. With regard to hospital options you can choose between general, semi-private or private coverage. There's also the flexible option of deciding on the level of comfort each time you are admitted to hospital.
Our supplementary healthcare insurance solutions cover up to CHF 300 for gym membership fees and for glasses or contact lenses as well as CHF 3,000 for complementary medicine. In addition, we cover up to 90% of the cost of vaccinations and medicines. For children, we pay up to CHF 12,000 per year towards the correction of tooth misalignments. With supplementary hospitalization insurance you have a free choice of doctor and hospital, and we cover up to 100% of the costs of emergency treatment abroad. If you conclude a dental option, we will pay up to CHF 3,000 towards dental treatment and correcting tooth misalignments, and up to CHF 500 for dental hygiene and bleaching.
Healthcare insurance products bridge many of the gaps in basic insurance cover.
For instance, if you value complementary medicine and do a lot of sport, AXA’s Health ACTIF product is a good choice. It pays part of the cost of gym membership and offers cover for a wide array of recognized complementary medical treatments. By contrast, basic insurance only covers treatments administered by doctors.
Health PLUS supplementary insurance pays part of the cost of glasses and contact lenses (basic insurance excludes these for adults), medicines not covered by basic insurance, as well as expensive rescue and recovery operations following emergencies in Switzerland and abroad. Of particular value here are the large amounts paid towards correcting tooth misalignments in children.
If you would like to combine the benefits of both these products, then Health COMPLET is the right solution for you. Everything is included in this option, and you benefit from higher contributions within the various benefit categories.
Basic insurance covers hospital stays in multi-bed general wards. You are not free to choose your own hospital or doctor. The more comfortable option of a double or single room is only possible with a semi-private or private supplementary insurance. “Flex” hospitalization insurance solutions are a further option. These allow you to decide on a case by case basis what level of comfort you prefer for your upcoming hospital stay.
Correcting tooth misalignments in children can cost up to CHF 15,000 and is not generally covered by basic health insurance. Supplementary dental cover should be taken out before your child turns five. Otherwise there is a danger that a misalignment is already foreseeable, in which case a large portion of the costs is not reimbursed. At AXA, dental corrections are included under some healthcare insurance products (Healthcare PLUS and COMPLET).
Within the framework of Health COMPLET and Health PLUS products, AXA covers 90% of the costs of all preventive vaccinations medically recognized in Switzerland. This also applies to protective vaccinations for vacations and trips abroad, to the extent that they are not covered by basic insurance.
As a general rule, AXA recognizes all doctors licensed to work in Switzerland and whose names appear in the full official Register of Doctors in Switzerland. The register comprises more than 30,000 entries and is updated every day. Nevertheless, AXA reserves the right to exclude individual doctors without having to provide reasons for its decision.
As a general rule, AXA recognizes all psychotherapists who are members of the following associations:
Nevertheless, AXA reserves the right to exclude individual psychotherapists without having to provide reasons for its decision.
If you have concluded a contract for CAPITAL insurance and you become disabled as a result of an illness or accident, you will receive a lump-sum payment. You are free to use your chosen sum insured (up to a maximum of CHF 300,000) as you require; for example, to convert your home or retrain for a new job. In addition, a lump-sum payment can also be insured to cover death due to illness or an accident. The payout is independent of any other insurance benefits.
You will receive your premium invoices by email, for payment via online banking, the post office or PostFinance. If you prefer to use direct debit, Debit Direct or eInvoicing, you can find out how to switch here.