Assurances complémentaires

All-round protection

Global smart Hospitalisation, Healthcare & prevention and Dental care: Our comprehensive insurance solutions

Main benefits

Shared room
Restricted and non-reimbursable drugs
Glasses
Benefits abroad
Health Promotion

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Main benefits

Level 1 benefits included
Outpatient surgery
Alternative medicine
Dental treatment
Check-ups
Search and rescue

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Main benefits

Level 1 and 2 benefits included
Two-bed room or single room
Home help
Convalescence treatment
Voluntary sterilisation
Care for sick children at home

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Type of benefits Benefits	Global smart, level 1	Global smart, level 2	Global smart, level 3
Hospitalisation	General ward throughout Switzerland	General ward throughout Switzerland	Semi-private or private ward, from the list of hospitals and clinics recognised by the insurer
Alternative medicine	30% max. CHF 1,000/year, of which max. CHF 200/year for massage sessions	60% max. CHF 2,500/year, of which max. CHF 300/year for massage sessions	80% max. CHF 3,000/year, of which max. CHF 500/year for massage sessions
Restricted and non-reimbursable drugs	90% max. CHF 100,000/calendar year	90% max. CHF 125,000/calendar year	90% max. CHF 150,000/calendar year
Medical glasses and contact lenses	CHF 150/three years	CHF 200/three years	CHF 200/three years
Prevention and sports activities	50% max. CHF 200/year	50% max. CHF 200/year	50% max. CHF 200/year
Dental treatment	Not covered	50% max. CHF 2,000/year (children) max. CHF 500/year (adults)	50% max. CHF 2,000/year (children) max. CHF 1,000/year (adults)
Transport costs	90%	90%	90%
Search and rescue	90% max. CHF 50,000/year	90% max. CHF 75,000/year	90% max. CHF 100,000/year
Outpatient surgery	Not covered	CHF 300/year	CHF 600/year
Mammograms and ultrasounds	90%	90%	90%
Preventive gynaecological examinations	90%	90%	90%
HIV preventive test	90%	90%	90%
Medical aids	Not covered	90% max. CHF 1,000/year	90% max. CHF 2,000/year
Convalescence cures and spa treatments	Not covered	50% max. 30 days/year	90% max. 30 days/year
Home help	50% max. CHF 1,500/year	50% max. CHF 1,500/year	90% max. CHF 2,500/year
Care for sick children at home	Not covered	90% max. CHF 250/year	90% max. CHF 300/year
Vaccines	90%	90%	90%
Voluntary sterilisation	Not covered	90% max. CHF 300	90% max. CHF 500
Check-ups	90% up to CHF 1,000/three years	90% up to CHF 1,000/three years	90% up to CHF 1,500/three years
Second opinion	90%	90%	90%

Hospitalisation

Supplemental hospitalisation Choose your level of comfort in hospital: general ward, semi-private or private room

Main benefits

Shared room
Public hospitals
Full coverage of childbirth costs
Emergency abroad CHF 500/day

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Main benefits

Level 1 benefits included
Two-bed room
Free choice of doctor
Hospitals and clinics recognised by Groupe Mutuel
Optional deductibles of CHF 1,000 or CHF 3,000

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Main benefits

Level 1 and 2 benefits included
Single room
Emergency abroad up to CHF 3'000/day
CHF 1,200 allowance for home childbirth

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Type of benefits Benefits	HC, level 1	HC, level 2	HC, level 3 and 4
Hospitalisation	General ward	Semi-private ward	Class 3: private ward Class 4: private ward with generous cover for costs incurred abroad
Comfort in hospital	Room with several beds	Room with two beds	Room with one bed
Choice of hospital	Free choice of hospital	Free choice of hospitals and clinics recognised by the insurer	Free choice of hospitals and clinics recognised by the insurer
Choice of doctor in hospital	Free choice of doctor in hospital	Free choice of doctor in hospital	Free choice of doctor in hospital
Coverage in Switzerland	Full coverage of costs	Full coverage of costs	Full coverage of costs
Coverage abroad	CHF 500/day	CHF 1,000/day	Class 3: CHF 1,500/day Class 4: CHF 3,000/day
Childbirth costs	Comprehensive cover for childbirth costs	Comprehensive cover for childbirth costs	Comprehensive cover for childbirth costs
Costs of outpatient or home births	Not covered	Allowance of CHF 800	Allowance of CHF 1,200

H-Bonus Flexibility upon staying in hospital - choose your hospital ward

H-Bonus hospitalisation insurance

Hospital comfort tailored to your needs and preferences

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Main benefits

Shared room
Choice of two-bed room or single room
Hospitals and clinics recognised by Groupe Mutuel

Emergency abroad up to CHF 500 per day
Childbirth costs

Hôpital senior Hospitalisation insurance with no age limit for admission

Main benefits

Shared room
Public hospitals
Emergency abroad CHF 500 per day

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Main benefits

Level 1 and 2 benefits included
Two-bed room
Free choice of doctor
Hospitals and clinics recognised by Groupe Mutuel
Optional deductibles of CHF 2,000 or CHF 5,000

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Main benefits

Level 1, 2 and 3 benefits included
Single room
Emergency abroad up to CHF 1,500 per day

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Type of benefits Benefits	Hôpital senior, level 1 and 2	Hôpital senior, level 3	Hôpital senior, level 4
Hospitalisation	General ward	Semi-private ward, facilities recognised by the insurer	Private ward, facilities recognised by the insurer
Hotel-style comfort	Level 1: Room with two beds Level 2: Room with one bed, facilities on the insurer’s list	Room with two beds	Room with one bed
Coverage in Switzerland	Full coverage of costs	Full coverage of costs	Full coverage of costs
Coverage abroad	CHF 500/day	CHF 1,000/day	CHF 1,500/day
Choice of doctor in hospital	Not covered	Free choice of doctor	Free choice of doctor

H-Capital Financial support to cover unforeseen expenses

H-Capital

Financial security during hospitalisation

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Main benefits

Lump-sum payment in the event of hospitalisation in Switzerland and abroad
11 annual lump sum amounts to choose from

Daily allowance in the event of hospitalisation BH Financial support in the event of hospitalisation

BH daily allowance benefits

Financial peace of mind for every day in hospital

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Main benefits

Daily hospitalisation allowance
Free choice of allowance amount up to CHF 200

Care & prevention

Supplemental health insurance Healthcare & prevention, available throughout Switzerland

Main benefits

Glasses
Check-ups
Vaccines
Gynaecological examinations
Restricted and non-reimbursable drugs

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Main benefits

Main benefits of the Start product included
Alternative medicine
Psychotherapy
Care for sick children
Dental treatment
Home help

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Main benefits

Main benefits of the Start and Optimum products included
Prevention and sports activities
Outpatient comfort upgrade
Contraception
Pharmacy advice
Orthodontic treatment

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Type of benefits Benefits	Start	Optimum	Premium
Alternative medicine	Not covered	75% max. CHF 3,000/year (of which max. CHF 500/year for massage sessions)	80% max. CHF 5,000 per three-year period (of which max. CHF 500/year for massage sessions)
Restricted and non-reimbursable drugs	90% max. CHF 100,000/year	90%	90%
Delivery of medicines at home	Coverage of postage costs	Coverage of postage costs	Not covered
Medical glasses and contact lenses	CHF 100/three years (children) CHF 250/five years (adults)	CHF 100/year (children) CHF 250/three years (adults)	CHF 150/year (children) CHF 500/three years (adults)
Surgical vision correction	Not covered	Not covered	90% max. CHF 800
Dental treatment	75% max. CHF 100/year	75% max. CHF 150/year	75% max. CHF 500/year
Orthodontic treatment	Not covered	Not covered	75% max. CHF 3,000/year for insured persons aged 18 and under
Transport costs	75%	90%	90%
Search and rescue	75% max. CHF 50,000/year	90% max. 75,000/year	90% max. CHF 100,000/year
Vaccines	75%	90%	90%
Prevention and sports activities	Not covered	50% max. CHF 200/year	50% max. CHF 500/year (fitness) of which 90% max. CHF 200/year (sports activities and annual subscriptions)*
Convalescence cures and spa treatments	Not covered	90% max. 30 days/year	90% max. 30 days/year
Medical aids	90% max. CHF 500/year	90% max. CHF 2,000/year	90% max. CHF 5,000/year
Mammograms and ultrasounds	90%	90%	90%
Preventive gynaecological examinations	90%	90%	90%
Contraception	Not covered	Not covered	90% max. CHF 500/year
HIV preventive test	90%	90%	90%
Check-ups	90% max. CHF 600/three years	90% max. CHF 1,200/three years	90% max. CHF 1,800/three years
Psychotherapy	90% max. CHF 200/year	90% max. CHF 500/year	90% max. CHF 1,000/year
Scar correction and protruding ears	Not covered	80% max. CHF 3,000/year	Not covered
Home help	Not covered	90% max. CHF 2,500/year, of which max. CHF 250/year for childcare	90% max. CHF 2,500/year
Second opinion	75%	90%	90%
Meals at home following hospitalisation or outpatient surgery	Not covered	CHF 20/day, max. 30 days/year	CHF 20/day, max. 30 days/year
Outpatient comfort upgrade	Not covered	CHF 150/ year	CHF 300/ year
Pharmacy advice	Not covered	Not covered	90%
	Not covered	Not covered	*Max. CHF 500 per year for all prevention and sporting activities.

Dental treatments

Dentaire plus Dental insurance: Have your dental treatment reimbursed, from orthodontics to dentures

Main benefits

Dental treatment
Orthodontic treatment
Laboratory costs
75%, up to CHF 1,000 per year

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Main benefits

Benefits identical to level 1, with increased coverage
75%, up to CHF 3,000 per year

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Main benefits

Benefits identical to level 1, with increased coverage
75%, up to CHF 15,000 per year

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Type of benefits Benefits	Dentaire plus, level 1	Dentaire plus, level 2	Dentaire plus, level 3
Dental treatment	75% max. CHF 1,000/year*	75% max. CHF 3,000/year*	75% max. CHF 15,000/year*
Dentofacial orthopaedic care	75% max. CHF 1,000/year*	75% max. CHF 3,000/year*	75% max. CHF 15,000/year*
Laboratory costs	75% max. CHF 1,000/year*	75% max. CHF 3,000/year*	75% max. CHF 15,000/year*
Prophylaxis	max. CHF 75/year	max. CHF 75/year	max. CHF 75/year
	* The cover limit applies to all benefits	* The cover limit applies to all benefits	* The cover limit applies to all benefits

Emergencies abroad

Mundo Travel with peace of mind: medical care and repatriation anywhere in the world

Mundo insurance

Enjoy peace of mind wherever you travel

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Main benefits

Outpatient treatment
Hospitalisation
Repatriation to Switzerland

Search and rescue
Vaccines before departure

Accident

Acrobat Accident insurance for 0-18 years old

Couvertures principales

Transportation and rescue costs
Reimbursement of sports membership
Costs of catch-up tuition
Cosmetic surgery
Home help and care

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Couvertures principales

Main benefits of the "eco" level included
Lump-sum payment in the event of disability
Lump-sum payment in the event of death

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Couvertures principales

Main benefits of the "eco" and "light" levels included
Lump-sum benefit in the event of hospitalisation
Groupe Mutuel Assistance

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Type of benefits Benefits	Acrobat^eco	Acrobat^light	Acrobat^standard
Hospitalisation	Private ward (in Switzerland and abroad)	General ward (in Switzerland and abroad)	Private ward (in Switzerland and abroad)
Home help and care	Max. CHF 200/day	Max. CHF 200/day	Max. CHF 200/day
Medical aids	Rental costs and initial purchase of furniture for patients. Rental or replacement costs (replacement value)	Rental costs and initial purchase of furniture for patients. Rental or replacement costs (replacement value)	Rental costs and initial purchase of furniture for patients. Rental or replacement costs (replacement value)
Transport and search and rescue costs	Max. CHF 50,000/case	Max. CHF 50,000/case	Max. CHF 50,000/case
Medical assistance and repatriation	Not covered	Not covered	Groupe Mutuel Assistance
Cosmetic surgery	Max. CHF 20,000	Max. CHF 20,000	Max. CHF 20,000
Costs of catch-up tuition	Max. CHF 3,000	Max. CHF 3,000	Max. CHF 3,000
Reimbursement of sports membership	Max. CHF 500/case	Max. CHF 500/case	Max. CHF 500/case
Waiver of premium payments	Cover for premium payments in the event of the disability or death of one of the parents, until the end of the policy or when the insured person reaches the age of 18	Cover for premium payments in the event of the disability or death of one of the parents, until the end of the policy or when the insured person reaches the age of 18	Cover for premium payments in the event of the disability or death of one of the parents, until the end of the policy or when the insured person reaches the age of 18
Accident abroad	Transport costs for close relatives in the event of hospitalisation lasting more than three days, up to a maximum of CHF 250 per day and CHF 2,000 per claim. Repatriation of mortal remains, up to a maximum of CHF 10,000	Transport costs for close relatives in the event of hospitalisation lasting more than three days, up to a maximum of CHF 250 per day and CHF 2,000 per claim. Repatriation of mortal remains, up to a maximum of CHF 10,000	Transport costs for close relatives in the event of hospitalisation lasting more than three days, up to a maximum of CHF 250 per day and CHF 2,000 per claim. Repatriation of mortal remains, up to a maximum of CHF 10,000
Lump-sum payment in the event of hospitalisation in Switzerland and abroad	Not covered	Not covered	CHF 500/year
Lump-sum payment in the event of disability	Not covered	Progressive lump sum, up to CHF 700,000	Progressive lump sum, up to CHF 700,000
Lump-sum payment in the event of death	Not covered	CHF 10,000	CHF 10,000

Activita Coverage for accidents occurring during work or private activities

ActiVita insurance

Complete protection for active people of all ages

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Couvertures principales

Single room worldwide
Search and rescue
Medical repatriation

Cosmetic surgery
Reimbursement of sports membership

ProVista and ProVista^light Lump sum payment in the event of an accident

Couvertures principales

Death benefit up to CHF 200,000
Premium waiver for children up to age 15

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Couvertures principales

Main benefits of the Provista^light product included
Lump-sum payment in the event of disability
Progressive lump-sum benefit up to 350% in the event of disability

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Type of benefits Benefits	ProVista^light	ProVista
Lump-sum payment in the event of death	Allowance in the event of death, up to CHF 200,000	Allowance in the event of death, up to CHF 200,000	Not covered
Lump-sum payment in the event of disability	Not covered	Allowance in the event of disability, up to CHF 500,000	Not covered
Waiver of premium payments	Premium waiver for children up to the age of 15	Premium waiver for children up to the age of 15	Not covered

Frequently asked questions

Supplemental insurance covers specific benefits that are not included in the basic health insurance. Supplemental insurance plans enable you to customise your coverage to suit your needs.

For example:

If you have vision problems, supplemental insurance that covers the costs of glasses and contact lenses will help you save money.
If you prefer to opt for natural medicine treatments, supplemental health insurance for alternative medicine will allow you to make use of these treatments without spending too much money.
If you like to travel, supplemental health insurance for travelling will ensure that you receive the best care when you are abroad and will cover the costs of repatriation to Switzerland if needed.

All of these benefits are not included in the basic health insurance, or are insufficient. Yet, they are essential to your lifestyle. This is why supplemental health insurance gives you the security you need as well as access to useful health benefits. By adding supplemental health insurance to your basic coverage, you will be able to customise your insurance contract to make it more relevant to your lifestyle and health today.

The most popular supplemental insurance is for:

increased comfort in hospital
dental care
glasses
alternative medicine

Young people are particularly interested in supplemental insurance for travel. Older people are more interested in taking out insurance for spa treatments and wellness. Health needs vary with age and supplemental health insurance serves to meet these changing needs.

By browsing through the pages of your insurance needs, you will find the full range of coverage options relevant to your circumstances. If you would like to receive personal advice, our insurance specialists are available to answer your questions, without any obligation. You can also ask to meet an adviser to discuss the topics of interest, by filling in the form to request a contact.

Thanks to supplemental insurance, everyone can find the best balance between health and budget. In order to meet the most common needs with one single insurance, we have created a combined supplemental health insurance package for you.

It works like an “all-in-one package” and allows you to choose between several types of benefits and enjoy broader coverage, while taking out only one contract. By combining several supplemental health insurance plans, we can help you close the gaps in your basic health insurance and save money. This means that you can alleviate your budget without putting your health on the back burner.

Supplemental insurance helps you to cope with life's unexpected events and to supplement basic health insurance to suit your needs. It provides:

more security
less health costs
easier access to the treatments you need
assistance in the event of a problem

While basic health insurance is a legal minimum designed to provide access to healthcare for all, it is often not sufficient to deal with every possible situation. It is therefore important to anticipate a specific health need and to assess your financial capacity to fund it.

By choosing the simple or combined supplemental health insurance that suits you best, you will have more peace of mind and will be able to enjoy life without worrying about any financial problems because of your health.

Request advice

Do you have any questions about supplemental insurance?
Our insurance advisers are available to answer any questions you may have.

StarterSafe package

Greater financial security and a secure future

Your Customer Area

Make your life easier

ProVista

A lump-sum in the event of disability or death due to accident

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Supplemental insurance

All-round protection

Global smart, level 1

Global smart, level 2

Global smart, level 3

Hospitalisation

HC hospitalisation insurance, level 1

HC hospitalisation insurance, level 2

HC hospitalisation insurance, level 3 and 4

Hôpital senior, level 1 and 2

Hôpital senior, level 3

Hôpital senior, level 4

Care & prevention

Start

Optimum

Premium

Dental treatments

Dentaire plus dental insurance, level 1

Dentaire plus dental insurance, level 2

Dentaire plus dental insurance, level 3

Emergencies abroad

Accident

Acrobateco

Acrobatlight

Acrobatstandard

ProVistalight insurance

ProVista insurance

Frequently asked questions

What is supplemental insurance?

What is the most popular supplemental insurance?

Why is supplemental insurance important?

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StarterSafe package

Your Customer Area

ProVista

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Acrobat^eco

Acrobat^light

Acrobat^standard

ProVista^light insurance