What you benefit from

Insurance local contract Switzerland

Novartis associates with a local contract in Switzerland benefit from a very attractive and flexible insurance offering that ensures comprehensive health protection and financial security for the whole family. The health insurance offering meets the legal requirements in Switzerland and offers unique advantages with a variety of options for customizing insurance coverage to individual needs. The following are the hallmarks of the health insurance offering:

Flexibility in designing your health insurance

In Switzerland, you have the flexibility to design your health insurance according to your personal needs. Employees can choose between different basic insurance models (standard or alternative models), deductible levels (deductibles to reduce premiums) and individual supplementary hospital insurance options (general, semi-private, private) to optimize their protection. In addition, a variety of supplemental outpatient insurance options are available, such as supplemental dental insurance for children up to age 25, which allows for reimbursements of up to CHF 10,000 for orthodontic treatment.

In addition to free telephone health advice, employees also benefit from:
- 25% discount on semi-private, private and worldwide private hospital insurance (Hospita Private Worldwide, Semi-private or Flex).
- 10% discount on the general ward throughout Switzerland and the outpatient worldwide package (Optima).
With the “Benevita” health bonus program, policyholders can receive an additional discount of up to 15%.
The standard package is also advantageous in terms of the lack of red tape involved, as no health check is required:

  • Completa Top
  • Praeventa
  • Denta 1
  • Supplementa
  • Infortuna
  • Hospita general ward throughout Switzerland
     

Reimbursement for glasses, contact lenses and dental treatment

Depending on the product selected, the supplementary insurance options offer reimbursements of between CHF 300 and CHF 1,000 per year for glasses and contact lenses. In addition, supplementary dental insurance offers reimbursements for dental treatment of between CHF 100 and CHF 2,000 per year. For orthodontic treatment (up to the age of 25), reimbursements of up to CHF 10,000 are even included free of charge (Completa Top). These additional benefits not only provide financial protection, but also help to maintain vision and dental health.

Reimbursements for well-being, exercise and nutrition

The supplementary outpatient insurance options also offer reimbursements in the areas of well-being (e.g. full body or foot reflexology massage, thermal baths), exercise (e.g. fitness studio, gym) and nutrition. With recognized nutrition programs, you receive support to quickly and sustainably reduce your excess weight to your desired goal weight. These additional benefits contribute to your overall health and well-being and help you lead a healthy and active life.

Worldwide protection

The supplementary insurance options provide worldwide protection for both inpatient and outpatient emergency treatment. If desired, planned treatment abroad can also be included. This global coverage ensures that you and your family receive first-class medical care anywhere in the world, with the peace of mind that comes from knowing you are fully covered when traveling or living internationally.

Comprehensive coverage for high medical costs

While dental and eyeglasses are partially covered by supplementary insurance, our Silver, Gold and Platinum packages focus on the essential medical costs that could significantly impact your financial situation. These include medically necessary outpatient and inpatient treatment costs, which are covered by our insurance packages and thus prevent financial burdens due to high treatment costs.

Premiums paid for continued salary payments and accident insurance

Your employer, i.e. Novartis, pays the daily sickness benefits premiums for continued salary payments (see Continued Salary Payment Regulations) so that your income is secured during your recovery. In addition, Novartis pays the full premiums for the mandatory accident insurance (occupational and non-occupational accidents, OPA and NOPA). We also recommend supplementing this statutory coverage with a Swica supplementary accident insurance (Infortuna), which provides additional benefits for accident-related treatments.

Pension Funds

Depending on your total income (ABS and STI), you are entitled to above-average (non-mandatory) benefits, the financing conditions of which are based on a 2:1 ratio between employer and employee contributions. This includes various benefits such as life-long retirement pension, disability pension, spouse's/domestic partner's pension, child pension, lump sum death benefit, retirement capital, retirement and risk benefits. Go to the Pension Fund website

Novartis Retirement Planning Seminar
To help you prepare well for life after work, Novartis offers a two-day retirement planning seminar for all colleagues aged 58 and over.

Health insurance, personal liability, home contents, car insurance, legal expenses, term life insurance

Free advice and personal support from us

We are happy to provide you with information about the existing insurance options and the exclusive special conditions offered by our partners. We also explain the basics of state, occupational and private insurance in Switzerland to help you quickly find your way around the Swiss system and choose the best possible services for you.

Insurance Services Novartis is a free and independent internal service for you, your partner and your family. Not only can you benefit from customized packages in health insurance, but also from offers for home contents, liability, car, and life insurance.

It is best to contact us by email or arrange an MS Teams / Face2Face appointment on site.

Useful information on the closing

Before you take out an insurance policy, get an overview of the risks for which you and your family members are already covered. Only in this way can you establish your real need for additional insurance. This will enable you to avoid any double insurance and save on premiums. If after studying this information you find that you need to take out additional insurance, then make sure you conclude agreements as far as possible with an annual right of termination.

Tips on health insurance

  • Take advantage of savings models in basic insurance (telephone consultation model, HMO/Santé model, family doctor model, pharmacy model) and, before joining a savings model, find out what the consequences are for you if you do not follow the rules and, for example, seek treatment directly from a specialist without prior authorization. 
  • Raise your deductible: A higher deductible than the standard deductible can save up to 50 percent on premiums. Whether it is worthwhile depends on the annual health costs (doctor, hospital, medication costs), for example, if your health costs do not exceed 1700 francs per year.


Tips for private liability insurance

  • Regularly check and compare insurance and if everything is still up to date (single coverage, multi-person etc)
  • Only conclude one-year contracts. Without cancellation, the personal liability insurance is tacitly extended by one year. This way you enjoy comprehensive insurance coverage at all times.
  • You do not have to take out the additional insurance, such as jewelry, with the same insurer. Take advantage of the comprehensive offer and choose the most favorable option.
  • Choose the coverage amount of ten-million. The surcharge compared to the three- or five-million variant is low with the Novartis AXA package.
  • Find out about the scope of benefits. If you engage in hobbies such as extreme sports or are a hunter, you may need to insure these risks additionally.
  • For renters, the deductible is usually 200 francs per loss event. However, some insurance companies charge up to ten percent of the damage. Avoid such insurances. Especially if you have a family with small children.
  • Homeowner's liability is covered by all insurance policies. However, this does not apply to condominium owners. With some insurers, this is not covered 


Tips for household insurance

  • If you have nothing at all, you can't lose anything and you don't need to insure anything. If your household goods only consist of the most essential items, a lower sum insured can be chosen. But adjust this during the years. Consider: Over time, your household contents will probably grow and there are often many small items in a household contents, which add up to a considerable sum. Therefore, do not under-insure your household contents.
  • Check and compare your insurance every few years
  • The premium is mainly based on the sum insured. This is equal to the replacement value of the entire household. This is the amount you would have to pay for all the items in your household in the event of a claim.
  • Tenants pay less than homeowners because tenants do not have to insure furnishings that belong to the landlord. These are, for example, window panes, lavabos, toilets or kitchen equipment. If you, as a tenant, damage such items, your personal liability insurance will pay for the damage.
  • Do not increase the deductible: All premiums for household insurance are subject to a deductible. This is normally 200 francs per claim. This means that in the event of a claim, you must pay 200 francs of the costs. Thus, you will not receive any money from the insurer in case of minor damage. It is possible to adjust the deductible individually. But usually it is not worth it, because the insurers only grant a too small premium reduction.
  • Do without the so-called "simple theft away from home"? It depends. The most common items stolen are sports equipment, cell phones, computers or luggage. However, if you do not have expensive items with you when you are away from home, you can waive the addition. Thus, you lower your premiums. "Simple theft away from home" covers damage caused by theft away from home.

Pay attention to the following before taking out a household insurance policy:

  • Get quote options. 
  • Adapt the insurance coverage to your personal circumstances.
  • With many providers, the insurance term is five years but supplement this with an additional clause: annual right to cancel. 
  • Insure your household contents appropriately. For this purpose, contact us so that we can send you an inventory sheet. 
  • Cohabiting couples should make sure that they are treated as one family in the household insurance.
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