Check Health Insurance
Complementary
Complementary LCA
LCA is the acronym for insurance contract law. Supplementary insurance is optional (therefore not mandatory) but is an important complement, sometimes indispensable, to the gaps in basic mandatory coverage. (Not covered by Lamal benefits) Each company creates different LCA combinations, so we are at your disposal with free, no-obligation professional advice. The market presents increasingly varied offers, depending on the constant development and updating of the drug market and of the available therapies, always in step with the current natural evolution. ONLY a discussion with an expert in the sector will be able to give you the right visibility according to your needs, especially because even though the offers of each player in the market are now completely in the public domain , it is almost never possible to compare the countless possibilities given by the type and class of risk of the customer, by the age or personal propensity to risk, by the always present rebates or discounts for coverage packages, always personal. For us, the customer is always of primary importance and deserves all our attention. Immediately after the contact form, you can find further information on LCA supplementary insurance.
Questions on complementaries
Insights into LCA supplementary insurance Choosing supplementary health insurance is a very personal matter. It depends on your health, personal needs, situation and priorities. What are your needs? How much do you spend on average on your health? Is the free choice of doctor essential to you? In case of hospitalization, do you have difficulty sharing a room? Do you prefer to have your health situation followed by the head doctor of the hospital or can any doctor do? Do you need total coverage abroad too? From all these questions comes the best complementary coverage, that is, the one capable of satisfying your needs at the lowest possible cost and best possible premium. Compare rewards and benefits. There are also large differences in premiums for supplementary insurance. Furthermore, unlike basic insurance, insurance companies are not obliged to accept an insured person. A company has the right to reject a potential insured due to his or her health or medical history. If the health insurance imposes reserves, this means that it will only cover the costs of treatment for illnesses or injuries that did not yet exist when the contract was concluded. Supplementary outpatient insurance. Supplementary outpatient insurance is used to fill some gaps in the compulsory basic insurance. Services can be added such as reimbursement of limited drugs, drugs not listed, outpatient services abroad, vaccinations, some services not included in the basic maternity rate, some preventive exams, glasses and contact lenses, transport of search and rescue, auxiliary means. There are also additional services such as dental care, alternative medicine, health promotion and so on. Supplementary hospital insurance. Supplementary hospital insurance also fills the gaps in basic insurance. For example, you will be able to choose cost coverage throughout Switzerland and not just in the canton of residence, spa and convalescence treatments, inpatient rehabilitation, semi-private room or private room with the choice of doctor, etc. To save on the premium, a flexible solution with cost sharing is also possible. I will therefore have no additional costs by choosing a shared room while I will have a limited cost sharing if I want to opt for a semi-private or private room. Other complementary insurances. There are also complementary insurances for legal protection, for death or disability following accident or illness, for medical expenses, travel insurance, daily allowance, household costs, capital costs and many others. It is therefore not easy, with over 50 insurance companies in Switzerland, to juggle the various proposals. Even the best automatic comparison sites only offer standardized packages, as they cannot handle such a vast amount of possibilities. This is why the best choice is to rely on professionals. We are at your disposal for any further information. Please consider our full availability to support you for FREE in your daily choices. For transparency we inform you that we do NOT need to invoice you for our consultancy costs, as we are normally paid by the insurance companies that grant us their collaboration.