Additional insurance Optimal supplement to basic insurance
The basic insurance covers the most common benefits – supplementary insurance policies fill gaps and offer individual protection for every life situation.
Advantages of additional insurance
Covers costs such as fitness subscriptions or glasses that would otherwise be disregarded.
Enjoy extras such as more amenities during hospital stays.
Secures you when traveling or protects you from high dental costs.
Outpatient additional insurance PULSE
Pulse Eco
- Gynecological check-ups covered
- Up to CHF 1,000 per year for digital psychological support
- Vaccinations up to CHF 200 per year
- CHF 50 per year for fitness, sports and well-being
Pulse Top
- CHF 200 per year for fitness, sports and well-being
- Up to CHF 2,000 per year for complementary medicine
- Support for breastfeeding advice and childbirth preparation
- Up to CHF 2,000 for early detection measures (e.g. heart, cancer, pregnancy)
Pulse Premium
- CHF 600 per year for fitness, sports and well-being
- Up to CHF 4,000 per year for complementary medicine
- Laser eye surgery with up to CHF 600 per eye
- Up to CHF 2,000 for vasectomy or sterilization
Hospital supplementary insurance
General
- Choice of hospital throughout Switzerland
- Costs for doctor, treatment and overnight stay in the general ward
- Support for domestic help and home care
- Up to CHF 20,000 for hospital stays abroad
- Includes travel and holiday insurance
Flex
- Free choice of doctor and hospital throughout Switzerland with an upgrade
- Flexible choice of department (general, semi-private or private) for every hospital admission
- Coverage also for stays in rehabilitation and psychiatry
- Access to specialists and second opinions
Semi-private
- Free choice of doctor and hospital throughout Switzerland
- Costs for the semi-private ward
- Contributions to domestic help and home care
- Up to CHF 50,000 abroad, full coverage in Europe in emergencies
- Attractive premiums through hospital deductible and reimbursement
- Travel insurance included
- Access to specialists and second opinions
Private
- Unrestricted choice of doctor and hospital
- Costs for the private ward
- Domestic help and home care covered
- Full coverage abroad (up to CHF 100,000 in USA/Canada)
- Favorable premiums with deductible and reimbursement
- Integrated travel insurance
- Access to specialists and second opinions
Private World
- Full cost coverage in all hospitals in Switzerland in the private sector
- Free choice of doctor without restrictions
- Worldwide hospital coverage with comprehensive cost coverage
- Attractive premiums through hospital franchise and reimbursement (payback)
- Integrated travel and vacation insurance for carefree stays abroad
- Access to specialists and second opinions
Dental insurance
Private World
Full cost coverage in all hospitals in Switzerland in the private sector
Free choice of doctor without restrictions
Worldwide hospital coverage with comprehensive cost coverage
Attractive premiums through hospital franchise and reimbursement (payback)
Integrated travel and vacation insurance for carefree stays abroad
Direct access to specialists and second opinions
Orthodontics + Comprehensive dental protection
75% of the costs for dental treatments up to CHF 2,000 per year.
Unlimited orthodontics (75% of the costs) up to the age of 20.
Fixed braces, aligners, surgical procedures (e.g. implantations).
Ideal for children and adolescents with orthodontic needs.
Best choice for families with children who need braces or for comprehensive protection.
Comprehensive Dental protection
Covers 75% of the costs up to a maximum of CHF 1,500 per year.
Dental treatments (e.g. root canal treatments), orthodontics, wisdom tooth removal.
No health check for children under 5 years.
Perfect for adults or children who are looking for solid protection for prevention and treatments search.
Flex
Free choice of doctor and hospital throughout Switzerland with an upgrade
Flexible choice of department (general, semi-private or private) for every hospital admission
Cost coverage also for stays in rehabilitation and psychiatry
Direct access to specialists and the possibility of a second opinion
Preventive Dental protection
Covers 50% of the costs up to a maximum of CHF 500 per year.
Teeth cleaning, minor treatments (e.g. fillings).
No health check for all age groups.
Ideal if you want to take precautions cheaply and do not expect major treatments.
Capital insurance for disability and death
Accident insurance
- Without health check, up to 350% of the insured sum
Death and disability protection
- Supplements occupational benefits, no proof required
Teddy – For children
- Support for your child's cancer diagnosis
- Teddy offers financial assistance and emotional support so you can fully focus on your child.
CHF 2,000 or CHF 4,000 for 12 or 24 months, directly to your family.
Premiums from CHF 2.00, without health check.
Travel - & Cancellation insurance
Coverage of outpatient and inpatient treatments abroad if the basic insurance is not sufficient.
Rescue & search operations, as well as return travel and medical/accident transports, are included.
- CHF 2,000 per person
- CHF 4,000 per family
- Up to CHF 300,000 in Europe and Mediterranean countries
- Up to CHF 100,000 worldwide (other countries)
Coverage of up to CHF 20,000 per trip in the event of cancellation or termination.
- 8 weeks travel insurance per year free of charge
Legal protection insurance
Traffic & private legal protection
Up to CHF 300,000 per case
Valid in Europe and Mediterranean countries
Only available in combination with the outpatient additional insurance Pulse
Internet legal protection
Free for everyone with access to the KPTnet customer portal
- Disputes arising from online contracts
- Personality injuries on the Internet
- Credit card abuse
Health legal protection (integrated in Pulse)
Help with conflicts with doctors, hospitals or insurance companies
Foreign legal protection (integrated in travel insurance)
- CHF 300,000 in Europe/Mediterranean
- CHF 100,000 worldwide (other countries)
Loss of earnings insurance
Damage insurance
Payment up to the maximum proven loss of earnings
Recommended for employees
Sum insurance
Payment regardless of loss of earnings
Suitable for self-employed or homemakers (max. CHF 100 per day)
Benefits & Conditions
Up to CHF 600 per day
Freely selectable: 2–360 days
20 days for mothers
16–65 years with residence in Switzerland
Additional accident insurance
Expat health insurance
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Personal, digital, flexible: our video consultation answers your questions.
Frequently asked questions
1. What is additional insurance?
Yes. All persons residing in Switzerland are legally obliged to take out mandatory basic insurance under the Health Insurance Act (KVG) – regardless of age or health status.
2. Why should I take out additional insurance?
Additional insurance complements basic insurance in a targeted manner:
- Close gaps: e.g. costs for dental treatments or alternative medicine.
- More comfort: Free choice of doctor and hospital, single or double room.
- Protection for every need: Whether for families, travelers or health-conscious people – you can adapt your protection individually.
3. Do I need a health questionnaire?
Yes, for most additional insurance policies a health questionnaire is required to assess your risk profile. Exceptions include accident insurance or travel insurance, which can be taken out without an examination.
4. How do I choose the right additional insurance?
- Check needs: Which services do you need (e.g. dental protection, hospital stays)?
- Choose benefit class: Eco, Top or Premium for Pulse; General, semi-private or private for hospital insurance.
- Use advice: Book a video consultation: Arrange an appointment.
5. Can I change or cancel my additional insurance?
Yes, cancellation is usually possible at the end of the year with a notice period of three months (receipt by September 30). Other deadlines may apply to multi-year contracts or premium increases. Check your contract.
6. What do hospital supplementary insurance policies offer?
More comfort and freedom of choice for inpatient stays, e.g. free choice of doctor and hospital, single or double room, cost coverage abroad.
7. What does dental insurance cover?
- Prophylaxis (teeth cleaning).
- Orthodontics (braces, aligners).
- Conservative treatments (fillings, root canal treatments).
- Surgery (implantations, wisdom teeth).
- Dentures (crowns, prostheses).
8. When is dental insurance worthwhile?
For anyone who wants to avoid high dental costs (e.g. braces, implants). Conclusion before the 5th Birthday is possible without examination.
9. What is capital insurance for disability and death?
- Accident (UTI): Up to 350% of the sum without examination.
- Illness/accident (KTI): Closes provision gaps.
- Teddy: Monthly pension in the event of a child’s cancer diagnosis (CHF 2,000–4,000).
10. What does travel and cancellation insurance cover?
- Healing costs and assistance abroad.
- Luggage (up to CHF 2,000/person).
- Cancellation costs (up to CHF 20,000).
- Legal protection (up to CHF 300,000 in Europe).
11. What does legal protection insurance offer?
- Traffic/private law: Up to CHF 300,000 (Europe).
- Internet: Free for KPTnet users.
- Health law: Included in Pulse.
12. What is loss of earnings insurance?
Daily allowance (up to CHF 600/day) in the event of inability to work due to illness or accident, selectable waiting periods (2–360 days).
13. What does guest insurance offer?
- Healing costs (CHF 10,000–50,000).
- Return (full coverage).
- Search/rescue costs (10% of the sum).
14. What does additional accident insurance cover?
- Uncovered hospital costs.
- Home care (up to CHF 10,000).
- Household help (up to CHF 5,000).
- Transport/rescue (up to CHF 10,000).
VAG simply 