Basic top-up insurance package at a glance
Basic top-up insurance brings together our three most popular top-up insurance products in one practical package. It is suitable for anyone who likes to keep things simple and covers common risks that basic insurance does not.
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Outpatient II top-up insurance
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Complementary II top-up insurance
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Hospital top-up insurance (free choice of ward type when you take out the insurance)
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Vacanza travel insurance
You have a free choice of hospital category when you take out the insurance. You can choose between general, semi-private or private wards. If you want to leave the decision until you’re admitted to hospital, the Basic package with flexible hospital cover is the right choice for you.
Restriction on hospital choice
Visana can partly or fully exclude hospitals from the costs that it pays. Insured persons with hospital top-up insurance may incur additional costs in such hospitals. All the key details can be found in the Hospital restrictions fact sheet.
Benefits in detail
| Outpatient benefits |
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| Inpatient benefits |
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| Complementary benefits | Contributions to alternative treatments and complementary medicines |
| Vacanza travel insurance | All-round protection in emergencies for up to eight weeks while you’re travelling abroad (up to 11 months if you have worldwide private ward cover) – both in hospital and as an outpatient Optional add-ons:
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| Contributions to health promotion | Contributions to gym membership, exercise classes and other activities, up to CHF 350 per year |
Discounts
The Basic top-up insurance package saves you money on your insurance premium.
Get a premium discount of 2% or 3% respectively when you sign a three- or five-year contract for a Basic top-up insurance package.
You get a 50% discount on top-up insurance premiums for your second child and every additional child in your family who is insured with Visana. You will receive this discount until your child turns 18.
You will get a 20% discount if you do not claim benefits for a year. That means your premium will be 20% lower the following year.
Is this top-up insurance package right for you?
This top-up insurance package is suitable for you if you:
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are aged between 19 and 65 and want a straightforward top-up insurance solution.
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want more comfort and privacy while you are in hospital.
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want to relieve yourself of the cost of glasses, contact lenses and dental work.
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regularly need medicines and want to enjoy more comprehensive benefits.
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want to continue to be comprehensively insured when you travel abroad.
How the Basic top-up insurance package works
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Send us your invoices – including your gym membership and opticians’ bills for glasses and contact lenses.
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We check whether you are entitled to a contribution from your top-up insurance.
Don’t forget! There is no need to take out additional travel insurance for your holiday.
Your advantages with Visana Basic top-up insurance
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Comprehensive supplement to basic insurance
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Attractive cost-benefit ratio
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Wellness Cheques for your personal fitness and relaxation
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20% discount if you claim no benefits for a year
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Discount for multi-year contracts lasting three or five years
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Vacanza travel insurance included
We will be happy to take the time to explain the advantages of hospital daily allowance insurance to you at no obligation.
Useful services for you
Smart insurance for all-round care. These services assist you:
You can easily upload invoices and reimbursement receipts via the myVisana app or myVisana customer portal.
Benefit from Visana’s Wellness Cheques. We contribute to your gym membership, group courses and admission fees for saunas and baths.
Depending on the insurance model, there are certain restrictions on the choice of hospital. Get informed in good time.
With ‘Emergency-Finder’, you are optimally equipped in critical medical situations. This app helps you to assess your symptoms correctly and shows you the nearest emergency ward in real time, along with its current capacity.
The cost-free service is available in the City of Bern and the surrounding metropolitan area.
Insurance that complements the package
Frequently asked questions about the top-up insurance package
Basic top-up insurance combines the four most important types of top-up insurance in a single package. Insured persons profit from a favourable cost-benefit ratio and optimal cover.
| Outpatient benefits |
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| Inpatient benefits |
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| Complementary benefits | Contributions to alternative treatments and complementary medicines |
| Vacanza travel insurance | All-round cover on trips abroad that last up to eight weeks (up to eleven months for insured persons under the worldwide private ward model) for hospitalisation or outpatient treatment resulting from emergencies Optional cover:
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| Contributions to health promotion | Contributions to gym membership, exercise courses and other activities, up to CHF 350 per year |
Basic top-up insurance is a good option if you wish to close significant gaps not covered by basic insurance.
This package is the ideal complement to basic insurance, at an attractive price. It comprises Hospital, Outpatient II (including Vacanza travel insurance) and Complementary II top-up insurance.
You will get a 20% discount if you do not claim benefits for a year. That means your premium will be 20% lower the following year.
Downloads
Conditions of insurance
Overview of benefits
Fact sheet
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