Personal Data

Compulsory health insurance

Franchise/deductible

Infortunio
Necessary if not insured by the employer.

Annual deductible
Aumentando la franchigia può risparmiare fino al 50 % sui premi all'anno.Increasing the deductible you can save up to 50% on the annual premium. Annual retention fee: 10% (max. Fr. 350.- for children and Fr. 700.- for adults. Annual retention fee on pharmaceuticals when generic is available: 20% In the event of hospitalisation, from age 26, Fr. 15,- per night.

Choice of the doctor
Take advantage from the family doctor insurance Hausarzt and from the health insurance PharMed saving up to 25% on the compulsory health insurance.
Basis: The standard model of the compulsory health insurance grants the free choice of the family doctor.
PharMed: Family doctor consultation as per Family Doctor Model and purchase of pharmaceuticals in specific pharmacies (Sun Store) - not applicable in all the cantons.

With regard to the family doctor or PharMed, the difference with the standard model is that for medical care you should always consult first your family doctor or medical staff of the health center HMO (except in an emergency)

Complementary insurance

Complementa Extra:

Complementa Extra: Assura extended complementary insurance. Refund of alternative medicine non included in the list, Domestic help, Accompanying costs during hospitalisation, Children care, School assistance, Special surveillance costs, Home care, Non-physician psychothrapists and indipendent psychologists, Dental treatment, Spectacle lenses or contact lenses, Corrective sight surgery, Auxiliary means. Transport, search and rescue costs, Spa treatment, Convalescence, Release from premium in case of redundancy, In the event of maternity benefits are not granted


In the event of a medical emergency whilst abroad, for max. 45 consecutive days. Full cover of treatment costs, including amounts in excess of the rates charged in Switzerland.


The most valued alternative medicines provided by recognized therapists : • Acupressure • Acupuncture • Aromatherapy • Bioresonance • Lymphatic drainage • Etiopathy • Facial therapy – pulsology • Homeopathy • Iridology • Kinesiology • Chinese medicine • Mesotherapy • Ortho-bionomy • Osteopathy • Phytotherapy • Reflexology • Serocytotherapy • Shiatsu • Curative sophrology • Sympatico-therapy • Craniosacral therapy • Neural therapy. Fr. 110.- per session - maximum 12 section per year - deductible Fr. 200.- Annual retention fee 10%


Care provided by recognised therapies: • Acupressure • Bioresonance • Phytotherapy • Medical hypnosis • Anthroposophic medicine Ayurvedic medicine • Chinese medicine • Homeopathy • Biofeedback • Neural theraphy • Curative sophrology • Fr. 80.- per session, annual deductible Fr. 200,-


Denta Plus: Full cover of treatment costs: prophylactic treatment Fr. 80.- per year, Orthodontics up to the age of 20 Fr. 500.- per year that can be accumulated over several years unitl a maximum of Fr. 10.000.-. Outpatient treatment 80% of a maximum bill of Fr. 15.000.- per year - annual deductible Fr. 500.- (Fr. 250.- for minors) Technical services 80% of a maximum bill of Fr. 1.000.- per year


Insured capital in the event of hospitalisation, valid worldwide

The capital sum is paid once each year for a hospital admission lasting for more than 24 hours. However this sum is not paid for hospital stays caused by illness falling within the scope of LAI, LAINF or LAM compulsory care


Optima Varia: Accomodation with 2 beds per room, cover without duration limit, with free choice of doctor, in the establishments approved by Assura SA. Treatments: Fr. 300.- per day, Stay Fr. 200.- per day. By prior agreement of Assura SA. payment when the tariff abroad is inferior to that applied in the canton of residence.
Optima Plus Varia: Accomodation with 1 bed per room, cover without duration limit, with free choice of doctor, in the establishments approved by Assura SA. Treatments: Fr. 300.- per day, Stay Fr. 300.- per day. By prior agreement of Assura SA. payment when the tariff abroad is inferior to that applied in the canton of residence.
Priveco Varia: Acomodation with 2 beds, cover without duration limit in the establishments listed by the cantons (information at Assura SA prior to hospital admission) Treatments Fr. 300.- per day.
Priveco Plus Varia: Acomodation with 1 bed, cover without duration limit in the establishments listed by the cantons (information at Assura SA prior to hospital admission) Treatments Fr. 300.- per day.
Ultra Varia: Accomodation with 1 bed, with free choice of doctor, in all Swiss official medical establishments (information at Assura SA prior to hospital admission). By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.