Benefits with SWICA
It is SWICA EXCLUSIVE when a special SWICA Novartis team is available for me
Patrick Meier, Olivina Markaj, Michael Laflin, Veronique Roesch and the Inhouse Insurance Services Novartis team are available to you as a Novartis employee and your family members exclusively around the clock, including with the personalized innovative app “mySWICA” or via the portal, where you can push all receipts by photo
It's SWICA EXCLUSIVE when unexpected illness costs arise for me or my family and we don't have to worry about it.
- Punctual payment of medical bills
- Gender-neutral premium
- No health questionnaire or examination for "Silver"
- Reliable partner
- No long waiting times on the phone
- Regular top position in customer satisfaction
- Savings through numerous partnerships
- No multi-year contracts
- Age at inception rate remains unchanged for life
- Lower cost sharing
- Contributions to over 100 offers for health promotion and prevention
- 365 days a year, around the clock
- Personal support in the event of illness or accident
- Equality of conventional and complementary medicine
- BENEVITA: digital health coach with bonus program
- BENECURA: digital health advice with symptom check
- mySWICA: digital insurance matters
- Advantageous Novartis framework agreement negotiated especially for me
- 25% discount on supplementary insurance plans for semi-private, private worldwide or private flex (Hospita Private Worldwide, semi-private or Flex)
- 10% discount on general hospital ward, whole of Switzerland (Hospita general)
- 10% discount on outpatient treatment worldwide, and 90% on check-ups, gym membership, etc. (product: Optima)
- "Benevita" health bonus program: up to 15% discount
- Libre Passage for: Completa Top, Praeventa, Infortuna, Hospita General (acceptance without the usual health check with possible rejections or reservations).
- Go to SWICA NOVARTIS partner site
- Free telephone health advice: telephone +41 (0) 44 404 86 06
It is SWICA EXCLUSIVE when I know that I can switch between the FAVORIT models every month.
In basic insurance, you can save a maximum of 47% by increasing the annual deductible to 2500.-, a maximum premium reduction of CHF 1540.- per year. Depending on the canton and region, you can benefit from attractive premium discounts compared to conventional basic insurance (standard) as shown in the following "alternative models":
- FAVORIT CASA: your family doctor as the first point of contact
- FAVORIT MEDICA: free choice from the list of doctors
- FAVORIT MEDPHARM: SWICA partner pharmacies or santé24 for an initial assessment
- FAVORIT BESTCARE: santé24 or a SWICA partner practice as the first point of contact
- FAVORIT MULTICHOICE: BENECURA app, santé24 or SWICA partner pharmacy first point
- FAVORIT SANTE: SWICA partner practices as the first point of contact
- FAVORIT TELMED: santé24 telemedicine service for an initial assessment
- STANDARD: free choice of doctor
Your responsibility: Reporting requirement under KVG Art. 3
- Registering with a health insurance fund: All persons living in Switzerland must take out insurance with a recognized health insurance fund within three months of moving to Switzerland or of birth (Art. 3 para. 1 KVG).
- Reporting changes: Insured persons are obliged to report relevant changes, such as a change of address, income or marital status, to their health insurance company, as this information may affect the calculation of premiums or insurance benefits. This obligation is also further specified in the Health Insurance Ordinance (KVV), in particular in Article 6.
- Moving in or out: Anyone who moves to Switzerland or leaves the country must also notify their health insurance company so that the insurance can be adjusted or terminated accordingly.
The aim of this reporting requirement is to ensure that everyone in Switzerland is insured and that their information remains up to date to ensure accurate premiums and benefits. Those who fail to meet their reporting requirements may face sanctions or additional premium demands.