What the contract should make clear
Benefits and limits
Identify named benefits, eligible providers, caps, contributions, exclusions and any waiting provisions in the applicable documents.
Questions and decision
Answer only through the insurer’s secure channel; ClairAssur asks for no diagnosis and predicts no underwriting result.
Duration and exit
Check duration, renewal, notice and cancellation effects without importing LAMal rules.
Audit the supplementary contract
Work from the offer, policy and correct terms version, not a marketing label.
Benefits and limits
Start with the relevant document or need. Identify named benefits, eligible providers, caps, contributions, exclusions and any waiting provisions in the applicable documents.
Questions and decision
Compare only like-for-like items. Answer only through the insurer’s secure channel; ClairAssur asks for no diagnosis and predicts no underwriting result.
Duration and exit
Ask for written confirmation when the actual case requires a decision. Check duration, renewal, notice and cancellation effects without importing LAMal rules.
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
- Optional cover must not be presented as compulsory, standardised or pre-accepted.
- 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.
Verified Swiss official sources
Each link displays its actual language. English sources are used where available; some official references remain in French, and that fallback is disclosed beside the link.