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For your outpatient treatments

Supplementary outpatient insurance

Contributions for corrective lenses, sport, and complementary medicine
Financial support for mental health
100% of the costs of emergencies abroad are covered
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Consultation

Key points at a glance

  • Focus on health: Save on corrective lenses, gym membership, and complementary medicine.
  • Promoting mental health: We support your mental health with a financial contribution to preventive measures.
  • Confidence abroad: We cover the costs of emergency treatment abroad, so you can travel with no worries.
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Individual product details: Benefits overview and contractual provisions.

Medical emergency abroad? Call the AXA emergency hotline: +41 58 218 11 11

What does supplementary outpatient insurance cover?

Supplementary outpatient insurance protects patients from high medical expenses. It is voluntary and covers supplementary methods of treatment and investigation that are not covered, or only partially covered, by basic health insurance. For example, the costs of alternative medicine or contributions to gym membership or glasses.

Which supplementary outpatient insurance model is right for you?

Our supplementary outpatient insurance offers three different models: ACTIF, PLUS und COMPLET. Each model includes different benefits that take account of your personal preferences.

Good to know: About 90 percent of our customers opt for COMPLET. 

A table compares various health benefits (such as check-ups, glasses, medication) in the ACTIV, PLUS and COMPLET tariffs.

Summary of our Healthcare products. Detailed information on benefits can be found in the benefits overview.

Which benefits does our supplementary outpatient insurance offer?

Under our supplementary outpatient insurance, we refund the following benefits to you in accordance with the applicable General Insurance Conditions (GIC) and Supplementary Insurance Conditions (SIC): 

Glasses and lenses

Maximum cost share:

  • COMPLET: max. CHF 300 per year
  • PLUS: max. CHF 150 per year 

for prescription glasses or contact lenses.

Note: Children and young people up to the age of 18 receive a contribution to their prescription glasses or contact lenses through their basic health insurance. 

Health promotion and sport

Health promotion and sport

Recognized forms of health promotion/sporting activities Annual reimbursement 

Gym membership lasting at least six months, as long as the provider is listed in the Fitness center search. The gym membership must start after the insurance commences.

ACTIF
75%, up to CHF 200

COMPLET
75%, up to CHF 300
Sports clubs (Active membership of a sports club for Olympic sports floorball and/or orienteering), annual swimming and climbing memberships

ACTIF
75%, up to CHF 100

COMPLET
75%, up to CHF 150
Exercise classes from certified providers listed in the Fitness Guide (in German) or certified by Qualicert or Qualitop (both in German). Swimming schools must be recognized by aQuality or Swiss Aquatics (both in German).

ACTIF
75%, up to CHF 200

COMPLET
75%, up to CHF 300
Maximum amount reimbursable per year for the above activities

ACTIF
up to CHF 400

COMPLET
up to CHF 500
Psychotherapy

Maximum cost share:

  • COMPLET: 75 %, up to a maximum of CHF 3000
  • PLUS: 75 %, up to a maximum of CHF 1000

for benefits provided by psychotherapists without basic insurance registration.

Notes:

  • The therapists must possess a federally accredited specialist qualification in psychotherapy (a degree in psychology alone does not entitle the holder to conduct psychotherapy).
  • Medically prescribed psychotherapy treatment from therapists who have basic insurance registration is reimbursed via the patient’s basic health insurance only.
Mental fitness

Maximum cost share:

  • COMPLET: 75%, up to a maximum of CHF 500 within three years

This subsidizes the costs of preventive and health-promoting treatment from recognized psychologists to improve mental health. Members of the following professional associations are recognized by AXA:

  • Federation of Swiss Psychologists (FSP) 
  • Swiss Professional Association for Applied Psychology (SBAP)

You will find members of the associations here:

Note: In the event of mental illness, the benefits are provided under mandatory basic insurance and cannot be covered by AXA.

Complementary-medicine therapies

Therapies – maximum cost share:

  • ACTIF: 75%, up to a maximum of CHF 1000 per year
  • COMPLET: 75%, up to a maximum of CHF 3000 per year 

for therapies recognized by AXA.

Medical massages – maximum cost share: 

  • ACTIF: 75%, up to a maximum of CHF 200 per year
  • COMPLET: 75%, up to a maximum of CHF 200 per year

for medical massages recognized by AXA.

Note: Treatments must be carried out by:

  • licensed doctors
  • a specialist registered to carry out the method recognized by AXA (registered with the EMR or ASCA)

All specialists recognized by AXA can be found in the Therapist search.

Prevention

Maximum cost share:

  • ACTIF: max. CHF 500 per year
  • COMPLET: max. CHF 600 per year

This pays the costs of different preventive measures as a supplement to basic health insurance. The details may be found in our benefits overview. These are some of the measures:

  • Gynecological screening tests
  • Childbirth preparation and postnatal exercise classes
  • Nutritional counseling and weight reduction for children
  • Consultation with personal health coaches
  • Medical screenings (e.g. heart and diabetes checks, mammograms, colonoscopy, mole checks etc.)

Note: Treatments must be carried out by:

  • licensed doctors 
  • a specialist registered to carry out the method recognized by AXA (registered with the EMR or ASCA)
  • a federally certified dietitian.

All specialists recognized by AXA can be found in the Therapist search.

Check-ups

Maximum cost share:

  • ACTIF: 75%, up to a maximum of CHF 500 within three years
  • COMPLET: 75%, up to a maximum of CHF 1000 within three years

for comprehensive and non-specific general medical examinations (medical history, general physical examination including lab values, discussion of results etc.).

Vaccinations

Maximum cost share:

  • COMPLET: 90% per year
  • PLUS: 90% per year

for preventive vaccinations that are medically recognized in Switzerland but not covered by mandatory health insurance. All the vaccinations recognized by AXA may be found on our vaccination list.

Medication prescribed by a doctor

Maximum cost share:

  • COMPLET: 90% per year
  • PLUS: 75% per year

for medication approved by Swissmedic but not covered by mandatory healthcare insurance.

Notes:

  • Basic insurance covers medicines prescribed by a doctor that feature in the list of specialties, are approved for the corresponding indication, and are used within the prescribed limits or are produced in accordance with the specifications of the list of medicines with tariffs on the basis of a medical prescription. AXA's supplementary insurance contributes to the costs of medication approved by Swissmedic and prescribed by a doctor, but not covered by mandatory healthcare insurance.
  • All pharmaceutical products with special applications (LPPV) (in German) and those not subject to the Federal Act on Health Insurance (KVG) are excluded. This also applies to medications supplied by pharmacies without a medical prescription, and to certain products that appear on our list. 
Medical aids

Maximum cost share:

  • COMPLET: 90%, up to a maximum of CHF 2000 per year
  • PLUS: 75%, up to a maximum of CHF 1000 per year

for medical aids prescribed by a doctor. Here are some examples:

  • Hearing aids
  • Wheelchairs, walkers, and other walking aids (e.g. frames or crutches)
  • Shoe inlays
  • Mattresses and pillows to prevent the formation of pressure sores (decubitus)
  • Electrically adjustable nursing bed
  • Blood-pressure monitors
  • Wigs (for cancer patients)
  • Mite-proof mattress cover, bedcover, etc.
Medical treatment abroad

Planned treatment (without overnight stay in hospital) – maximum cost share:

  • COMPLET: 90%, up to a maximum of CHF 2000 per year
  • PLUS: 90%, up to a maximum of CHF 1000 per year

The following benefits are insured: 

  • Outpatient treatment by doctors and hospitals, including the therapies prescribed by them, which are covered in Switzerland by basic insurance in accordance with the Health Insurance Act 
  • Medicines that are directly comparable with those authorized by Swissmedic in Switzerland

Medical emergency (inpatient and outpatient) – maximum cost share:

  • COMPLET: 100% of the costs
  • PLUS: 100% of the costs

The insured is obliged to contact AXA’s emergency call center on: +41 58 218 11 11 in the event of an emergency abroad. The emergency call center will then make the necessary arrangements such as transport, medical treatment and, if necessary, repatriation.

Journeys for visits from a person close to the insured (in medical emergencies, provided hospital stay lasts at least 7 days) – maximum cost share:

  • COMPLET: Up to CHF 1000/case 
  • PLUS: Up to CHF 1000/case 

for accommodation and meals, plus outbound and inbound flights (economy)

Note: The non-insured benefits include those excluded according to our General Insurance Conditions. These include, but are not limited to:

  • Cosmetic treatments and operations
  • In vitro fertilization and infertility treatments
  • Procedures that do not focus primarily on treatment for illness or accident

A payment receipt must be presented for all planned treatments abroad.

All information and details to download

What are the advantages of outpatient supplementary insurance from AXA? 

Supplementary outpatient insurance from AXA reduces your everyday out-of-pocket costs. We help you pay for complementary medicine, visual aids, sports and preventive care for mental health. If you have a medical emergency abroad, the costs will be fully covered, depending on the product. The free services from AXA provide practical solutions to simplify your life. As an example, our online invoice service lets you simply send us your doctor bills and we’ll take care of dividing them up between basic health and supplementary insurance.

FAQ on supplementary outpatient insurance

Why do I need supplementary outpatient insurance?

Supplementary outpatient insurance closes key gaps in basic health insurance cover. After all, compulsory health insurance covers only a portion of outpatient benefits. 

Benefits typically included in supplementary outpatient insurance are costs of preventive examinations and complementary medicine, and of glasses, contact lenses, gym membership, and medical massages.

What’s the difference between outpatient and inpatient?

Outpatient treatment means procedures for which you do not have to stay overnight in a hospital. With inpatient treatment, you spend at least one night in a hospital. Supplementary outpatient insurance therefore covers services provided outside of the hospital environment. 

The cost of inpatient treatment that is not covered by basic health insurance can be insured under supplementary hospital insurance.  

Does AXA pay for treatment by my alternative practitioner?

We pay a share of the cost of various alternative healing methods, including those provided by naturopaths.

Find out more in our list of recognized therapeutic methods of complementary medicine.

Which outpatient services are covered abroad?

Our outpatient insurance policies cover a portion of a variety of costs incurred abroad.

For example, our PLUS and COMPLET products cover some of the costs of rescue and transportation as well as recovery expenses abroad. We also bear a portion of the cost of planned treatments (outpatient only) and cover the entire cost of medical emergencies (whether outpatient or inpatient).

You can find more information in the benefits overview.

What does outpatient insurance cover in the area of preventive care?

Under certain circumstances, basic health insurance covers some examinations, such as skin cancer screening and mammograms. In the area of preventive care, however, the benefits of supplementary insurance go far beyond those of statutory health insurance. 

For instance, we pay a portion of the cost of medical check-ups not covered by statutory health insurance. 

You can find more information in the benefits overview.

What notice periods apply when terminating AXA supplementary outpatient insurance?

All our supplementary health insurance solutions – so that includes supplementary outpatient insurance – may be terminated at the end of any calendar year, subject to three months’ prior notice. You can choose between one-, two-, and three-year contracts.

Blogs on all aspects of supplementary outpatient insurance

Complementary medicine: Costs and methods

Complementary or alternative medicine often helps when conventional medicine can go no further. We present the five most popular methods and explain when they can help and which ones health insurers will pay for.

Read the blog

Mental health: We’re here to help.

Psychological problems? We can help – from finding the right expert to preparing for your first consultation with your doctor or directly with a therapist.

Read the blog

Everything you need to know about deductibles and excesses

If you start looking into health insurers, you’ll soon come across the words “deductible,” “excess”, and “health insurance premium.” We’re here to explain what you need to know.

Read the blog