SWICA Optima

Name: SWICA Optima
Brand: SWICA

Verified benefits of SWICA Optima (Combined): 22 details in 9 categories, each with its source from the policy terms. As of 2027.

Outpatient

Rank 8 of 11

Feature	Value
Sterilisation	CHF 700Source: ZB Optima (VVG), edition 2027, p. 4

All products in “Outpatient” compared

Alternative medicine

Rank 14 of 14

Feature	Value
Therapist requirements	Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3

All products in “Alternative medicine” compared

Medicines and medical aids

Rank 19 of 21

Feature	Value
Medical aids (percent)	90%Source: ZB Optima (VVG), edition 2027, p. 5
Medical aids: annual cap	CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Rank =5 of 18

Feature	Value
Contribution for adults	CHF 300Source: ZB Optima (VVG), edition 2027, p. 5
Period for adults in months	36 monthsSource: ZB Optima (VVG), edition 2027, p. 5

All products in “Glasses and contact lenses” compared

Prevention

Rank 3 of 26

Feature	Value
Coverage (percent)	90%Source: ZB Optima (VVG), edition 2027, p. 4
Annual cap	CHF 300Source: ZB Optima (VVG), edition 2027, p. 4
Vaccinations (percent)	90%Source: ZB Optima (VVG), edition 2027, p. 4
Health check-up	UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4
Gynaecological screening (percent)	90%Source: ZB Optima (VVG), edition 2027, p. 4

All products in “Prevention” compared

Fitness

Rank 11 of 13

Feature	Value
Contribution (percent of cost)	90%Source: ZB Optima (VVG), edition 2027, p. 4

All products in “Fitness” compared

Cures and recovery

Rank 15 of 37

Feature	Value
Spa cure (per day)	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4
Recovery stay (per day)	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4
Maximum cure days per year	30Source: ZB Optima (VVG), edition 2027, p. 4

All products in “Cures and recovery” compared

Psychotherapy

Rank 10 of 11

Feature	Value
Annual cap	CHF 1’500Source: ZB Optima (VVG), edition 2027, p. 4
Maximum sessions per year	60Source: ZB Optima (VVG), edition 2027, p. 4
Therapist requirements	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

All products in “Psychotherapy” compared

Contract terms

Rank =52 of 132

Feature	Value
Minimum contract duration in years	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6
Notable exclusions	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
Other notable benefits	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

All products in “Contract terms” compared

Facts

SWICA Optima: Sterilisation CHF 700 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Medical aids (percent) 90% (ZB Optima (VVG), edition 2027, p. 5).
SWICA Optima: Medical aids: annual cap CHF 300 (Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1).
SWICA Optima: Contribution for adults CHF 300 (ZB Optima (VVG), edition 2027, p. 5).
SWICA Optima: Period for adults in months 36 months (ZB Optima (VVG), edition 2027, p. 5).
SWICA Optima: Coverage (percent) 90% (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Annual cap CHF 300 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Vaccinations (percent) 90% (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Health check-up: Unlimited (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Gynaecological screening (percent) 90% (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Contribution (percent of cost) 90% (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Spa cure (per day) CHF 30 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Recovery stay (per day) CHF 30 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Maximum cure days per year 30 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Annual cap CHF 1’500 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Maximum sessions per year 60 (ZB Optima (VVG), edition 2027, p. 4).
SWICA Optima: Minimum contract duration in years 1 (AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6).
SWICA Optima: Cancellation notice in months 3 months (AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6).

Direct comparisons

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