Benefits with SWICA
Why SWICA?
Based on the last RFP, SWICA met all the criteria requirements, such as punctual payment of medical bills, gender-neutral premium, no health check for the silver package, reliable partner, annual termination options, special Novartis Service Center team without long waiting times on the phone:
- Excellent customer satisfaction
- Savings through numerous partnerships and no multi-year contracts
- Closing age tariff remains unchanged for life
- Lower cost sharing
- Contributions to over 100 offers for health promotion and prevention
- There for you 365 days a year, around the clock
- Personal support in the event of illness or accident
- Equal treatment of conventional and complementary medicine
- BENEVITA: Digital health coach with bonus program
- BENECURA: Digital health advice with symptom check
- mySWICA: Take care of insurance matters digitally
Thanks to the partnership between Novartis and SWICA,
you and your spouse/life partner and children living in the same household benefit from exclusive premium discounts in supplementary insurance.
SWICA Novartis Premium calculator
Premium calculator 2024: Calculate health insurance premiums | Comparis
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":
Thanks to our partnership, you and your dependents benefit from special premium discounts in the following supplementary insurance plans
- CASA: your family doctor as the first point of contact
- MEDICA: free choice from the list of doctors
- MEDPHARM: SWICA partner pharmacies or santé24 for an initial assessment
- BESTCARE: santé24 or a SWICA partner practice as the first point of contact
- MULTICHOICE: BENECURA app, santé24 or SWICA partner pharmacy for first contact
- SANTE: SWICA partner practices as the first point of contact
- TELMED: santé24 telemedicine service for an initial assessment
- STANDARD: free choice of doctor
Thanks to our partnership, you and your dependents benefit from special premium discounts in the following supplementary insurance plans
- Supplementary hospital insurance. 25% discount for semi-private, private, or private flex insurance coverage, in general still 10% discount
- Optima 10% (e.g. outpatient treatments planned worldwide, and 90% check-ups, gym)
- Benevita up to 15% (health bonus program)
- Libre Passage for: Completa Top, Praeventa, Infortuna, Hospita General (admission without the usual health check with possible refusals or reservations).
- Free health advice by phone: Phone +41 (0) 44 404 86 06
- Special team for Novartis employees (SWICA Service Center) is available to you at all times
Beware of dubious advisors
- Beware of advisors who write to you or call you unannounced and claim to be different, better and cheaper,
- Or that they are your personal point of contact for follow-up questions, claims support and adjustments, and that “the others” are not.
- Unfortunately, this is a common method of attracting attention and, in a next step, making a loss-leader offer, usually in the mandatory health insurance.
- The next step is to show the potential savings and then use these savings for the mixed life insurance.
- A mixed life insurance policy is always a bad choice.
- Separate savings and insurance. Save at the bank. Insure risks – such as death and disability – with the insurance company.
- You also need to know the benefits of your pension fund, which we can show you directly as an Inhouse Insurance Service Novartis - your personal pension certificate
- Such sales and advisory tactics are not ethical. If you are called without your consent, it is a prohibited cold call that you should refuse.
The official contact points for the Novartis framework agreement can be found here.