Families | Visana Insurance

Our top recommendations for families

There’s a lot to organise in everyday family life, which means it’s particularly important to get reliable insurance cover. We have put together a list of the most important tips for you so you can be sure that you and your loved ones are comprehensively covered.

Combine basic and top-up insurance for your family in a single policy. This way you can benefit from a premium discount of up to 90% for children as well as an additional 50% reduction on top-up insurance starting from the second child.
Manage the insurance policies for all of your family members conveniently and transparently in the app: submit invoices, check benefits and collect bonus points – all in one place.
Vacanza travel insurance is ideal for family holidays. You are covered worldwide for up to eight weeks per trip.
Health legal protection insurance is included in basic insurance up to age 18. This ensures you receive legal support quickly in the event of an emergency.
Anyone who takes out insurance for more than one year also receives additional attractive premium discounts.
Multi-year contracts or annual billing are two of many ways in which you as a family can secure attractive reductions on your premiums.
Whether it’s swimming lessons, sports courses or gym membership – with our top-up insurance, families receive contributions towards activities that promote a healthy lifestyle.

Our insurance solutions for families

Life with children brings many wonderful things, but also some challenging moments. We show you which types of insurance are especially important for different aspects of life, so you can focus on what really matters: your family.

The right health insurance for your family

Protect yourself and your family with top-up insurance that effectively supplements your basic insurance. For example, the Basic top-up insurance package combines three popular top-up insurance plans for families into one single package: the package offers a free choice of hospital throughout Switzerland, pays generous contributions for optical aids such as glasses or contact lenses and also vaccines, and also provides supplementary benefits during pregnancy.

It is also worthwhile taking out supplementary dental insurance for children over the age of three. This covers a large portion of the costs of expensive dental corrective work and helps protect the family budget.

Good to know: If a parent is employed for fewer than eight hours per week, accident insurance must be included within basic insurance.

Covers any necessary medical services for all family members – from preventive care and treatment to emergencies.

Visits to physicians and treatment
Medications and therapies
Hospital stays in a general ward
Emergency care
Check-ups for children and adults

The top-up insurance package supplements basic insurance with enhanced outpatient services for the whole family.

Additional benefits during pregnancy
Generous contributions towards vaccinations, contact lenses and glasses
Contributions toward acupuncture, massages and much more
Contributions towards gym memberships
Travel insurance included

Top-up hospital insurance gives you a free choice of hospital, as well as greater comfort during inpatient stays in hospital.

Free choice of hospital and physician
Single or double room
Treatment by senior consultants
Additional comfort benefits
Cost contribution for overnight stays by parents if a child is required to spend the night in hospital

Dental insurance supports you and your family with the costs of dental treatment, preventive care and dental prosthetics – so everyone can keep smiling.

Cost coverage for dental prophylaxis and routine examinations
Treatment of tooth decay, periodontosis and other dental diseases
Dental prosthetics such as crowns, bridges and implants
Costs of children’s dental corrective work and orthodontics
Emergency treatments and pain management

Optimal provision for families

Families plan for life, not for emergencies. It’s nonetheless reassuring to know that your family is financially secure. Comprehensive provision also ensures that you can plan for the future and that of your children, whether for their education or the start of their independent lives.

Lump-sum insurance provides financial protection for your family in the event of death or disability and also supports wealth accumulation.

Payment of an agreed lump-sum in the event of death or disability
Capital growth through regular premium payments
Protection for surviving dependants against financial hardship
Option of additional benefits such as accident or daily allowances
Flexible contractual structures and durations

V⁠i⁠s⁠a⁠n⁠a’s Pillar 3a pension account saves you taxes while you build your family’s financial future.

Tax-deductible payments
Lump-sum payout or pension payments upon retirement
Protection in the event of disability or death
Flexible savings and investment options

Protects you against financial difficulties in the event of prolonged illness, accident or maternity.

Income replacement during prolonged illness
Peace of mind for the self-employed
Financial security until recovery
Supplement to maternity allowance (loss of earnings compensation EO)

Well protected in everyday family life

A ball through the wrong window, a friend’s sofa covered in paint or a disagreement with the landlord – family life is colourful and sometimes a little loud. Our property insurance protects you against high costs and has your back in everyday life. This way, you can rely on small mishaps not turning into major problems and get help quickly and without any hassle in critical situations.

Household contents insurance protects your belongings and valuable items against damage caused by fire, water, burglary or theft.

Cover for furniture and valuables
Protection against fire, water and burglary
Cover for glass breakage
Cover for theft outside the home, for example while travelling

Protects you, your family and your children against the financial consequences of personal injury caused to third parties or damage caused to their property.

Compensation for personal injury and damage to property
Insurance for damage caused by children and pets
Cover for damage to rented property
Defence against unjustified claims

Legal protection insurance helps you with legal issues and disputes in private and family life.

Advice and cost coverage in relation to legal disputes
Support in disputes relating to tenancy, employment or contract law
Representation in court action
Free legal advice over the phone

Comprehensive protection for your home – against fire, water and more.

Cost coverage in the event of damage to buildings due to fire, water, storms or hail
Cover for natural hazards and weather-related damage
Optional cover for glass breakage, loss of rental income and building systems
Quick and straightforward settlement of claims

Travelling safely with the whole family

The first beach holiday with your baby or a road trip with older children. While travelling brings a lot of excitement for families, it also requires careful planning and preparation. What happens if a child becomes ill while you’re travelling, you have an accident or you’re unable to set off in the first place? With our insurance, we ensure that you can focus on what matters most: spending time together, creating unforgettable memories and having the certainty of being well supported in any eventuality, whether during the holiday itself or on the way to it.

Travel insurance protects you against the unexpected costs of illness, accident or trip cancellation in Switzerland or abroad.

Cover for the costs of treatment abroad
Repatriation to Switzerland
Cancellation cover and trip interruption insurance
Assistance services

Car insurance provides comprehensive protection in the event of an accident, damage or breakdown, which is especially important for families with children.

Personal liability and fully comprehensive protection
Inclusion of child seats and accessories in car insurance
Breakdown assistance and protection in the event of glass breakages
Cover for parked-vehicle damage and marten damage

Advantages of our insurance for families

74% discount on basic insurance for the first and second child, 90% from the third child onwards. 50% discount on top-up insurance from the second child onwards.
We facilitate an active family life by providing up to CHF 350 per year for each insured person with Outpatient or Basic. In addition, you can earn points worth up to CHF 120 per year in our digital bonus programme myPoints.
Cost coverage for prenatal gymnastics, lump-sum birth benefits, waiver of deductible after 13th week of pregnancy.
Up to CHF 10,000 for correction of malpositioned teeth, as well as annual contributions towards glasses or contact lenses – depending on the chosen top-up insurance.
With appropriate Hospital top-up insurance, parents whose children are hospitalised can stay overnight with them in their hospital room.
With the Well app, your family is well looked after, around the clock.

What our customers say

I’ve known my V⁠i⁠s⁠a⁠n⁠a advisor for five years now. My wife and I are very satisfied with the advice he gives. He recently gave us helpful tips on dental insurance for our daughter. V⁠i⁠s⁠a⁠n⁠a thinks proactively and understands what we need.

We’re a three-child family, so doctors’ bills can sometimes pile up and put a strain on the purse. We’re extremely grateful that V⁠i⁠s⁠a⁠n⁠a reimburses us in a matter of days. Using the myVisana app to scan bills is simple and enjoyable, and saves us a lot of time in our busy family life.

My family and I feel we are in safe hands with V⁠i⁠s⁠a⁠n⁠a. Our personal contact, Roberto Di Egidio, never fails to answer our questions proficiently and reliably.

We trust V⁠i⁠s⁠a⁠n⁠a and we feel our family is in safe hands. Our advisor has helped us in lots of ways and suggested suitable products. What’s more, both the face-to-face and digital services V⁠i⁠s⁠a⁠n⁠a offers are superb.

We’re a family of five and have been satisfied V⁠i⁠s⁠a⁠n⁠a customers for many years because we always get obliging, professional advice. V⁠i⁠s⁠a⁠n⁠a isn’t only present in the major conurbations, but has agencies for customers in the Bernese Oberland too. We greatly appreciate this proximity to customers.

Useful services for you

Smart insurance for all-round care. These services assist you during everyday family life:

You can speak with a medical professional from Medi24 at any time of day or night, or arrange a callback directly in the Well app.

With the health app Well, you can check symptoms, chat with a doctor or book appointments.

With myVisana, you can manage all your health insurance matters quickly and easily.

In emergencies, you can reach us around the clock on our 24/7 home assistance number – even on weekends.

Frequently asked questions on insurance for families

No. There is no insurance product specifically for families in Switzerland. However, V⁠i⁠s⁠a⁠n⁠a does provide attractive family discounts that benefit your budget.

Discounts on basic insurance: You get a discount of at least 74% for your first and second child. This figure even rises to a 90% discount on the adult premium from the third child. However, all children must be on the same family policy.

Useful information: The discount is based on compulsory basic insurance with free choice of doctor and the statutory deductible. This amount may vary slightly in alternative insurance models or for optional deductibles.

Discounts on top-up insurance: You get a 50% discount for your second child and every additional child in your family. However, the same top-up insurance plans must have been taken out for the children – e.g. Hospital, Outpatient, Complementary or Basic – and the children must be insured under the same family policy.

The answer to this question depends entirely on your personal needs. Top-up insurance fills important gaps in your basic insurance cover. Not just that, you also receive contributions towards the cost of glasses and contact lenses, vaccinations, alternative medicine and medication. If you want more comfort and privacy when you’re in hospital, hospital top-up insurance can be worthwhile.

If you have children, we recommend dental top-up insurance. This is because a lot of insurance policies will then also cover the cost of orthodontic treatment. Important: If you take out insurance early, you will not generally need a dentist’s certificate.

Basic insurance:

You can register your baby with your health insurance fund before it is born. Then you only need to submit their name and date of birth at a later date. The only important thing is that you take out basic insurance for your child within three months of the birth.

Top-up insurance:

We recommend registering your baby before the birth to ensure they have the best possible cover right from the start. If you already register your child before the birth, you often do not have to complete a health questionnaire.

When your child turns 18, they become subject to the compulsory insurance requirement in their own right. This means that

their insurance does not automatically continue as before. Your health insurance fund will contact your child directly or explain the next steps to you.
the contract has to be transferred to your child. When your child is 18, they can decide for themselves which health insurance fund they would like to provide their basic and top-up insurance.

It is also worth checking your top-up insurance plans. Some products are no longer as affordable or relevant when your child becomes a young adult.