Overview of health insurance companies: Philos

Comfort in hospital General ward in Switzerland
Access to alternative medicine CHF 70 per session, max. CHF 2,000/year.
Glasses and contact lenses Max CHF 100 every 3 years
Emergency transport, search and rescue 60% of costs, max CHF 1,000/year
Fitness or prevention Vaccinations 70%, max. CHF 150/year. Echography and mammography 90%, unlimited

Comfort in hospital General ward in Switzerland
Access to alternative medicine CHF 70 per session, max. CHF 2,000/year.
Glasses and contact lenses Max CHF 100 every 3 years
Emergency transport, search and rescue 80% of costs, max CHF 1,000/year
Fitness or prevention Vaccinations 90%, max. CHF 150/year. Echography and mammography 90%, unlimited

Comfort in hospital General ward in Switzerland
Access to alternative medicine CHF 70 per session, max. CHF 3,000/year.
Glasses and contact lenses Max CHF 100 every 3 years
Emergency transport, search and rescue 80% of costs, max CHF 2,500/year
Fitness or prevention Vaccinations 90%, max. CHF 200/year. Echography and mammography 90%, unlimited

Comfort in hospital General ward in Switzerland
Access to alternative medicine No benefits.
Glasses and contact lenses CHF 150 per 3 year period (per calendar year for children under the age of 18).
Emergency transport, search and rescue Transport CHF 5,000 per year. Search and rescue CHF 50,000 per year.
Fitness or prevention Vaccinations 90%, max CHF 150/year. Echography and mammography 90%, unlimited.

Comfort in hospital General ward in Switzerland
Access to alternative medicine 80%, max. CHF 10,000 per year (with deductible of CHF 300 from age 19)
Glasses and contact lenses CHF 150 per 3 year period (per calendar year for children under the age of 18).
Emergency transport, search and rescue Transport CHF 5,000 per year. Search and rescue CHF 50,000 per year..
Fitness or prevention Idem Global Classic + Health Promotion, 50% max. CHF 500 /year (Fitness 50% max. CHF 200/year)

Free choice of hospital Free access to recognised Swiss hospitals and private clinics and choice of hospital doctor.
Comfort in hospital Semi-private ward in Switzerland
Access to alternative medicine CHF 70/session, max. CHF 6,000/year.
Glasses and contact lenses CHF 200 every 3 years.
Dental care and orthodontics Illness 80%, max. CHF 200 every 3 years. Accident 80%, max. CHF 8,000 per case.
Emergency transport, search and rescue Transport 80%, max. CHF 5,000 per year.
Fitness or prevention Vaccinations 90%, max. CHF 250 per year. Echography and mammography 90%, unlimited

Free choice of hospital Free access to recognised Swiss hospitals and private clinics and choice of hospital doctor.
Comfort in hospital private ward in Switzerland
Access to alternative medicine CHF 70/session, max. CHF 6,000/year.
Glasses and contact lenses CHF 200 every 3 years.
Dental care and orthodontics Illness 80%, max. CHF 200 every 3 years. Accident 80%, max. CHF 8,000 per case.
Emergency transport, search and rescue Transport 80%, max. CHF 5,000 per year.
Fitness or prevention Vaccinations 90%, max. CHF 250 per year. Echography and mammography 90%, unlimited

Access to alternative medicine 90% unlimited
Glasses and contact lenses CHF 150 every 3 years
Dental care and orthodontics Annual dental check-up: max. CHF 75 per year
Emergency transport, search and rescue 90% unlimited
Fitness or prevention Fitness 50%, max. CHF 200/year. Vaccinations and mammography 90% unlimited

Dental treatment often involves heavy costs, especially when orthodontic care (correction of tooth position anomalies) is needed.
To avoid these disagreeable consequences, Groupe Mutuel Assurances GMA SA has designed its Dentaire Plus dental care insurance which is available with a choice of four coverage levels:
• Dentaire Plus-Kids (DP0) insurance, for orthodontic treatments only, covers 75% of the costs, up to a maximum of CHF 15,000 per year.
With Dentaire Plus dental care insurance, you benefit from generous reimbursement of your own dental treatment costs and those of your children.

Dental treatment often involves heavy costs, especially when orthodontic care (correction of tooth position anomalies) is needed.
To avoid these disagreeable consequences, Groupe Mutuel Assurances GMA SA has designed its Dentaire Plus dental care insurance which is available with a choice of four coverage levels:
• Dentaire Plus, Level 1 insurance covers 75% of the cost of dental care and treatment and orthodontics, up to a maximum of CHF 1,000 per year.
A contribution of CHF 75 per year is also included for a preventive dental examination as an integral part of coverage levels DP1, DP2 and DP3.
With Dentaire Plus dental care insurance, you benefit from generous reimbursement of your own dental treatment costs and those of your children.

Dental treatment often involves heavy costs, especially when orthodontic care (correction of tooth position anomalies) is needed.
To avoid these disagreeable consequences, Groupe Mutuel Assurances GMA SA has designed its Dentaire Plus dental care insurance which is available with a choice of four coverage levels:
• Dentaire Plus, Level 2 insurance covers 75% of the cost of dental care and treatment and orthodontics, up to a maximum of CHF 3,000 per year.
A contribution of CHF 75 per year is also included for a preventive dental examination as an integral part of coverage levels DP1, DP2 and DP3.
With Dentaire Plus dental care insurance, you benefit from generous reimbursement of your own dental treatment costs and those of your children.

Dental treatment often involves heavy costs, especially when orthodontic care (correction of tooth position anomalies) is needed.
To avoid these disagreeable consequences, Groupe Mutuel Assurances GMA SA has designed its Dentaire Plus dental care insurance which is available with a choice of four coverage levels:
• Dentaire Plus, Level 3 insurance covers 75% of the cost of dental care and treatment and orthodontics, up to a maximum of CHF 15,000 per year.
A contribution of CHF 75 per year is also included for a preventive dental examination as an integral part of coverage levels DP1, DP2 and DP3.
With Dentaire Plus dental care insurance, you benefit from generous reimbursement of your own dental treatment costs and those of your children.

Mundo insurance covers the costs of treatment abroad provided by a doctor or in a hospital in the event of an illness or accident occurring outside Switzerland, as a supplemental benefit for costs which exceed the guarantee provided by compulsory health insurance.
Other attractive benefits complete the Mundo coverage:
• cost of search and rescue actions and emergency transport to hospital;
• repatriation to Switzerland;
• cost of travel for close relatives coming to visit the patient in hospital abroad.
Mundo insurance covers the above costs up to CHF 100,000 per calendar year.
In addition, Groupe Mutuel Assistance (see back of Groupe Mutuel insured member’s card for telephone number) is at your service round the clock, seven days a week, for example to obtain the details of a doctor abroad or organize repatriation to Switzerland etc.
Mundo gives you the benefit of year-round coverage, no matter how often you travel abroad.

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 300 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 500 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 600 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 900 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 1.000 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 1.200 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 1.500 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 2.000 CHF

Insurance for a lump-sum payment on admission to hospital
The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.
Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:
• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.
In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.
H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.
Depending on your needs you may opt for one of the nine following capital sums: 2.500 CHF