SUPPLEMENTARY HEALTH INSURANCE, BEYOND THE MINIMUM
Hospital stays, dental care, alternative medicine or preventive care: supplementary health insurance (VVG/LCA) lets you extend your cover beyond compulsory KVG/LAMal insurance.
HEALTH COVER TAILORED TO YOUR NEEDS
Hospital stays, outpatient care, alternative medicine or dental care: discover the main benefits of supplementary insurance (VVG/LCA) and choose the ones that really matter to you.
EVERYDAY HEALTH
Outpatient care
Glasses, contact lenses, medicines not reimbursed by KVG/LAMal, preventive care and other outpatient services: benefit from additional reimbursements depending on the cover in your supplementary insurance.
COMFORT & FREEDOM
Private and semi-private hospital cover
Enjoy greater comfort during a hospital stay, including the option of a single or double room and a wider choice of doctor, depending on your cover.
SMILES & PREVENTION
Dental care and orthodontics
Dental check-ups, treatment, hygiene and orthodontics: reduce the dental costs not covered by basic insurance with supplementary cover suited to adults and children.
COMPLEMENTARY CARE
Alternative medicine and well-being
Osteopathy, acupuncture, therapeutic massage and other complementary therapies: get a contribution towards the cost of treatments and therapists recognised by your insurer.
Frequently asked questions
What is the difference between KVG/LAMal health insurance and VVG/LCA insurance?
KVG/LAMal is compulsory health insurance in Switzerland. Its benefits are set by law and are identical with all insurers. Supplementary insurance (VVG/LCA) is optional and offers additional benefits. The cover, premiums and admission conditions vary from one company to another.
Can I take out VVG/LCA insurance if I have health problems?
Yes, but unlike KVG/LAMal, supplementary insurers may ask you to complete a medical questionnaire, accept your application with exclusions or refuse it altogether. It is therefore important to check the admission conditions before cancelling any existing cover.
How do I change supplementary health insurance in Switzerland?
To change your VVG/LCA supplementary insurance, you must respect the notice periods set out in your policy. Before cancelling anything, always wait for written confirmation that the new insurer has accepted you, so that you do not lose important cover.
How much does supplementary health insurance cost in Switzerland?
The price depends in particular on your age, the insurer, the benefits chosen and the terms of the policy. Premiums can differ considerably for comparable cover. At Veltica, we analyse the offers to find cover that suits your needs and your budget.
What is a waiting period in VVG/LCA insurance?
A waiting period is a period after the policy comes into force during which certain benefits are not yet reimbursed. It may apply in particular to dental or maternity benefits. Its length and terms depend on the insurance taken out.
Can I keep my supplementary insurance if I change my KVG/LAMal health insurer?
Yes. In Switzerland, you can choose one health insurer for your basic KVG/LAMal insurance and keep your supplementary insurance with another insurer. There is no need to hold both policies with the same company. However, watch out for any discounts linked to bundling them.