Assura Complementa Extra vs. SWICA Optima: benefits compared

Direct comparison of Assura Complementa Extra and SWICA Optima in 5 categories. All values come from the policy terms and are backed by their source.

Assura Complementa Extra is better on 2 features, SWICA Optima on 3; both are equal on 2.

Medicines and medical aids

Feature	Assura Complementa Extra	SWICA Optima	Result
Medicines outside the SL: maximum	CHF 50’000Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	No verified information	not comparable
Medical aids (percent)	No verified information	90%Source: ZB Optima (VVG), edition 2027, p. 5	not comparable
Medical aids: annual cap	No verified information	CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1	not comparable

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	Assura Complementa Extra	SWICA Optima	Result
Contribution for adults	CHF 100Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	CHF 300Source: ZB Optima (VVG), edition 2027, p. 5	SWICA Optima better
Period for adults in months	12 monthsSource: BVB Complementa Extra (07.2015), edition 2027, p. 2	36 monthsSource: ZB Optima (VVG), edition 2027, p. 5	Assura Complementa Extra better
Laser eye surgery	CHF 100Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable

All products in “Glasses and contact lenses” compared

Cures and recovery

Feature	Assura Complementa Extra	SWICA Optima	Result
Recovery stay (per day)	CHF 40Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4	Assura Complementa Extra better
Maximum cure days per year	21Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	30Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better
Spa cure (per day)	No verified information	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Cures and recovery” compared

Psychotherapy

Feature	Assura Complementa Extra	SWICA Optima	Result
Coverage (percent)	100%Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	No verified information	not comparable
Annual cap	CHF 1’500Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	CHF 1’500Source: ZB Optima (VVG), edition 2027, p. 4	equal
Therapist requirements	Non-medical psychotherapist or independent psychologist listed on the list of the umbrella organisation of Swiss health insurers; treatment must be prescribed by a doctorSource: BVB Complementa Extra (07.2015), edition 2027, p. 1	Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed.Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Maximum sessions per year	No verified information	60Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	Assura Complementa Extra	SWICA Optima	Result
Minimum contract duration in years	3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	SWICA Optima better
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Insurer does not cancel after a claim	YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	No verified information	not comparable
Accident cover included	YesSource: BVB Complementa Extra (07.2015), edition 2027, p. 1	No verified information	not comparable
Premium and age	Premium set by age at conclusion; children 0-18 move to next age band at 19, young adults 19-25 at 26, then definitiveSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	No verified information	not comparable
Notable exclusions	No verified information	Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Other notable benefits	No verified information	Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.