Hospital
Semi-private, private or flex: we evaluate what truly changes in your day-to-day.
LCA
Supplemental: what to take, what to drop?
We don't sell you everything. We keep what matters for your situation.
Basic or supplemental: don't mix them up
Basic insurance (LAMal) covers essential care, everywhere in Switzerland. Supplementals (LCA) add comfort and benefits that aren't covered — private room, dental, natural medicine, capital. They're optional and subject to the insurer's acceptance: which is exactly why choosing well, and early, matters.
Dental
Often useless for a healthy adult — valuable for children and care-averse adults.
Alternative medicine
Acupuncture, osteopathy, homeopathy: coverage varies between insurers.
Death / disability capital
Essential if you have children or an ongoing mortgage.
How to choose well
Four questions to ask before signing up.
Your life situation
Children, mortgage, self-employed? Your coverage needs change with your household.
Your health today
Admission depends on a health questionnaire. In good health, you have more options — and better rates.
Real use, not fear
We only cover what genuinely matters to you. The rest is just extra premium.
The premium / benefit ratio
A supplemental only makes sense if, over time, the benefit outweighs what it costs you.
They trust us
“Finally a supplemental that really reimburses dental and orthodontics.”
“They targeted exactly the useful benefits, with no pointless extras.”
“Alternative medicine and glasses covered: exactly what I was looking for.”
Representative of typical client situations. Illustrative, non-nominative profiles and wording.
Frequently asked questions
Clear answers to the questions we hear most often.
Are supplementals mandatory?
No. Only basic insurance (LAMal) is mandatory. Supplementals (LCA) are optional — you keep only what's useful for your situation.
Can I be refused a supplemental?
Yes. Unlike the basic plan, admission depends on the insurer's conditions and a health questionnaire. That's why it's best to apply early, while in good health.
What's the difference between LAMal and LCA?
LAMal is the mandatory basic plan, identical everywhere. LCA covers the optional supplementals (hospital, dental, alternative medicine…), subject to acceptance.
Can I change or cancel a supplemental?
Yes, but the rules (notice periods, commitment) vary by contract. We check your terms before any change.
Which supplementals do I really need?
It depends on your situation (children, mortgage, medical habits). We sort the useful from the unnecessary — without selling you anything you don't need.
Ready to take stock?
A 30-minute review, zero commitment. You leave with a written report and a clear plan.