Are your supplementary insurances costing too much?

Alternative medicine, private hospital room, dental, glasses – supplementary cover is varied but few people know which policies are truly useful to them.

Get my free analysis

✓ Free ✓ Independent ✓ Reply within 24–48h

⭐ 4.9/5 · Over 1'250 clients assisted in Switzerland

The supplementary insurance market: complex, expensive and hard to compare

Dozens of different products with marketing names that hide the actual coverage
Pre-existing medical conditions can be excluded or lead to a refusal to insure
Many policyholders pay for supplementary cover they never use
Reimbursement ceilings are often very low and poorly understood at the time of a claim
Waiting periods (before benefits activate) can come as an unpleasant surprise

This service is right for you if…

You are hospitalised regularly and want a private or semi-private room

You use alternative medicine (osteopathy, acupuncture, naturopathy)

You have significant or recurring dental expenses

You wear glasses or contact lenses

You travel frequently abroad for professional reasons

You want to assess whether your current supplementary cover matches your real needs

A complete review of your supplementary cover and its relevance to you

→ We analyse your current supplementary policies and calculate your real cost-benefit ratio
→ We identify overlaps, unnecessary coverage and important gaps
→ We compare offers from all major insurers (Helsana, CSS, SWICA, AXA, Allianz, etc.)
→ We manage cancellations and new subscriptions, taking waiting periods into account
→ We check health conditions to avoid exclusions and optimise acceptance

Start my free analysis →

What we optimise for you

Hospitalisation & private room

Private room, free choice of doctor, worldwide: we find the hospital cover that fits your profile.

Alternative medicine

Osteopathy, acupuncture, chiropractic, naturopathy – we compare ceilings and lists of recognised practitioners.

Dental & orthodontics

Dental costs can be very high. We calculate whether a dental supplementary policy is worthwhile for you.

Glasses & contact lenses

Reimbursements vary from CHF 100 to 500/year depending on the insurer. We find the best deal.

International coverage

Repatriation, treatment abroad, travel assistance: essential for cross-border workers and frequent travellers.

Annual review

Your needs evolve. We reassess every year whether your supplementary portfolio remains optimal.

Common mistakes to avoid

✗ Taking out supplementary cover by default without analysing your actual use of the benefits
✗ Ignoring waiting periods and discovering too late that a benefit is not yet active
✗ Having overlapping coverage between an individual supplementary and an employer group policy
✗ Not disclosing a pre-existing condition and risking a reimbursement refusal at claim time
✗ Comparing only prices without reading the general terms and the list of excluded benefits
✗ Never cancelling a supplementary cover that has become unnecessary out of habit or forgetfulness

Our step-by-step process

Assessment of your current situation

15 min

You share your current supplementary policies with us and describe your real needs (health, sport, travel, family).

Cost-benefit analysis and market comparison

48h

We calculate what you have actually used and compare with the best available offers.

Personalised recommendations

30 min

We present you with an optimised portfolio: what to keep, cancel and take out.

Full implementation

1–2 weeks

We manage cancellations, new subscriptions and submission of medical documents if necessary.

What our clients say

"I had three supplementary policies, two of which overlapped. Marc-Antoine helped me consolidate them into a single, more comprehensive and cheaper one."

Isabelle R.

Lausanne

−CHF 480/year

"I didn't know my dental supplementary was almost useless given my dental health. We opted for a better-suited plan."

David F.

Basel

−CHF 360/year

"Thanks to the supplementary policy recommended by EVO, I was able to get my osteopathy sessions reimbursed to the tune of CHF 800 this year."

Anna S.

Zurich

+CHF 800 reimbursed

Ready to optimise your supplementary insurance?

Free analysis · No commitment · Reply within 24–48h

Book an appointment → +41 76 779 0449

Frequently asked questions

Can you change supplementary insurance at any time?

No. Unlike LAMal, supplementary insurance (VCA) has specific cancellation conditions. Generally, you must give 3 months' notice for cancellation on 31 December. Some also allow cancellation on 30 June with 3 months' notice.

Can a supplementary insurer refuse to cover me?

Yes. Unlike LAMal, supplementary insurers can refuse applicants or exclude certain pre-existing medical conditions. This is why it is crucial not to cancel an existing supplementary policy before receiving written confirmation of acceptance from the new one.

Are my supplementary policies compatible with switching LAMal insurer?

Not necessarily. Some insurers offer combined packages (LAMal + supplementary) with discounts conditional on keeping the bundle. We always analyse this aspect before recommending any change.

What does a 'worldwide' hospital policy actually cover?

It generally covers urgent or planned hospital treatment abroad, medical repatriation and sometimes the accompaniment of a close relative. Details vary significantly by product – this is one of the points we analyse as a priority.

Are alternative medicine treatments reimbursed by LAMal?

Partially. LAMal reimburses 5 alternative medicine methods (phytotherapy, homoeopathy, anthroposophic medicine, neural therapy, acupuncture) only if prescribed by an ASCA or RME-recognised physician. Supplementary insurance generally covers a much broader spectrum.

Marc-Antoine Segui

+41 76 779 0449

Free appointment →