Supplementary insurance (LCA)
Optional supplementary insurance covers what basic insurance does not. Unlike LAMal, the insurer can refuse an application or exclude certain illnesses.
Updated on 23.09.2026 · Official sources cited
The main supplementary policies
- Outpatient: glasses and contact lenses, alternative medicine, non-listed medicines, travel vaccines, prevention, sometimes gym membership.
- Hospital: semi-private or private room, free choice of doctor and hospital throughout Switzerland.
- Dental: check-ups, hygiene, treatment, orthodontics for children.
- Travel: medical costs abroad, repatriation.
The health questionnaire
To take out supplementary insurance, you fill in a health questionnaire. You must answer it fully and accurately: an omission (non-disclosure) can allow the insurer to cancel the contract and refuse benefits.
The golden rule
Never cancel a supplementary policy before receiving written acceptance from the new insurer. With age or a health problem, you might no longer be accepted elsewhere.
Notice periods
They depend on your general terms: often three months before the renewal date, sometimes by 30 September. If the premium rises, an extraordinary right of cancellation is generally provided. You can keep your supplementary policies with one insurer and switch basic insurance elsewhere.