See which supplementary cover is worth what it costs for your household — glasses, dental, gym, alternative medicine, hospital — in a few minutes, then let an adviser handle the exact quote.
Start comparisonStep 1
A couple of minutes of questions about ages, needs, and preferences — no account required.
Step 2
We match you against real Swiss insurers' supplementary (LCA) plans and show which fit best, with an estimated reimbursement and a community price estimate where we have one.
Step 3
With your consent, an insurance adviser working with ELEVANA Brokerage Sàrl follows up with the exact premium for your top options.
Your answers are only shared with an advisor once you explicitly consent on the form. See our privacy notice for details.
Supplementary insurance is optional cover taken out on top of the compulsory basic plan. It pays towards what basic insurance leaves out or covers only partly: glasses and contact lenses, dental treatment, gym and prevention, alternative medicine, and the comfort you get if you are admitted to hospital. Each insurer designs its own products, so two policies at a similar price can cover very different things.
Basic insurance (LAMal) is compulsory, its benefits are set by law and the same wherever you take it out, and nobody may refuse you. Supplementary insurance (LCA) is voluntary and governed by contract law: the insurer decides the benefits, the price, and whether to accept you at all. Almost everything else on this page follows from that difference.
You describe your household and what you actually use, and the comparison estimates what a selection of supplementary products would be worth to you rather than only what they cost. The premiums shown are indicative estimates for the profile you entered. It compares a selection of products and providers; it is not a survey of the whole Swiss market.
A low premium usually means low limits, or a benefit you use that is simply absent. So the comparison sets the reimbursement your household could expect against the premium, which makes a policy that costs more and returns more visible. It cannot know what you will need next year; it works from what you tell it about this one.
Because supplementary cover is voluntary, insurers underwrite it. They ask health questions and may accept you, exclude a condition, load the premium, or decline. That decision belongs to the insurer and is taken after you apply — not by this comparator and not by an adviser. Every estimate here assumes acceptance on standard terms, which is exactly why the final answer comes from the insurer.
Answer the questionnaire and see your indicative shortlist. You can stop there: no account is needed, and nothing is sent anywhere. If you want an exact offer, you can consent to your answers being passed to an adviser at ELEVANA Brokerage, who prepares it with the insurer. Nothing is shared before you tick that box.
It covers a selection of insurers and products rather than every one on the market, and its figures are estimates built from published tariffs and your answers. It is not advice, not an offer, and not binding. The exact premium, the exact conditions and the decision to insure you come from the insurer, or from the adviser preparing your file.
Basic and supplementary insurance often carry the same insurer's name, but they fall under two different laws. That is why one has to accept you and the other does not.
Yes, and it is the most important difference from basic insurance. A supplementary insurer can refuse you, or accept you while excluding certain benefits.
The duty to disclose covers only what the insurer asked you, through specific questions. What an inaccurate answer costs, on the other hand, is not limited to the contract: it can reach a claim that has already occurred.
The law guarantees a minimum right of termination that the contract may widen but never narrow. It guarantees nothing whatsoever about what comes afterwards.
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