Basic insurance and optional cover

Swiss health insurance: separate LAMal and supplementary cover

Compulsory healthcare insurance and supplementary contracts follow different rules. A responsible comparison separates them before considering the care model, deductible, region, procedure and contract terms.

6Articles

4Verified Swiss official sources

99 languages

Basic insurance and optional cover

Articles in this guide

Separate compulsory insurance from the optional contract, then use the suitable official tool or document.

Optional contract separate from LAMal

Supplementary health cover: read the offer and LCA terms

Supplementary insurance is not a uniform extension of basic cover. Content varies by contract, and this page cannot predict acceptance or confirm a benefit.

Read the guide Switching and cancellation

Switch insurer without confusing basic and supplementary cover

Basic and supplementary contracts do not follow the same rules. Check the received document, official guidance and current terms before sending anything.

Read the guide How access to care is organised

LAMal models: understand the care pathway before choosing

Standard, family-doctor, HMO and telemedicine models organise first contact differently. The name alone is insufficient: read the network, exceptions and actual insurer rules.

Read the guide The insured person’s financial contribution

Deductible and retention fee: compare annual exposure

Premium and cost sharing are separate blocks. Scenarios can support budgeting but cannot predict future treatment or reimbursement decisions.

Read the guide Individual premium reduction

Premium reduction: the competent canton decides

Premium reduction follows a cantonal process. Only the competent body confirms conditions, documents and a decision for the case.

Read the guide Decision, objection and appeal

Challenge a health-insurer decision from the document received

An explanation, formal decision, objection and appeal are different. This page helps organise documents but gives no legal advice and calculates no deadline.

Read the guide

Basic insurance and optional cover

Compare these blocks separately

LAMal basic insurance

Compare the same age category, location, accident cover, model and deductible; use Priminfo for a current official premium.

LCA supplementary contracts

Optional benefits, underwriting questions, reservations, exclusions and terms depend on the contract.

Competent route

Switching, premium reductions and disputes follow different routes shown by the official portal, decision or contract.

Basic insurance and optional cover

A four-step comparison path

Separate compulsory insurance from the optional contract, then use the suitable official tool or document.

LAMal basic insurance
Start with the relevant document or need. Compare the same age category, location, accident cover, model and deductible; use Priminfo for a current official premium.
LCA supplementary contracts
Compare only like-for-like items. Optional benefits, underwriting questions, reservations, exclusions and terms depend on the contract.
Competent route
Ask for written confirmation when the actual case requires a decision. Switching, premium reductions and disputes follow different routes shown by the official portal, decision or contract.
Keep evidence
Archive documents, versions, dated dispatches and replies. A tool or comparison request does not suspend a deadline stated in a decision or contract.

Limits to keep in mind

Do not cancel existing cover solely on a simulation or before checking the appropriate next step.
This general information does not replace an authority’s decision, the policy or the insurer’s terms.
ClairAssur does not guarantee a premium, acceptance, cover, reimbursement or outcome.
Do not enter a diagnosis, treatment, medical record or any other health data in the comparison form.

Prepare a comparison without health data

The form asks only for broad need categories. Do not provide diagnoses, treatments or medical documents; the request is neither an offer nor an acceptance decision.

Compare health insurance Understand LCA supplementary cover

Basic insurance and optional cover

Continue at the right level of detail

Read the guides, explore regional pages or prepare a comparison request separately from the calculation.

Supplementary health cover: read the offer and LCA terms