What you benefit from

Insurance local contract Switzerland

Novartis employees 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.

Flexible health insurance options with exclusive advantages for Novartis employees

Customize your health insurance

In Switzerland, you have the option to flexibly customize your health insurance to your personal needs. SWICA offers you:

  • Various basic insurance models (standard or alternative models)
  • Deductibles to reduce premiums
  • Individual supplementary hospital insurance (general throughout Switzerland, semi-private or private)
  • Supplementary outpatient insurance, including supplementary dental insurance for children up to 25 years of age with reimbursements of up to CHF 10,000 per year for orthodontic treatment.

Exclusive discounts for Novartis employees

Benefit from special discounts:

  • 25% discount on semi-private, private and worldwide supplementary hospital insurance (Private Worldwide, Semi-private or Flex).
  • 10% discount on the general ward throughout Switzerland and on the Optima supplementary package, which is used to supplement outpatient treatments planned worldwide.
  • Up to 15% additional discounts through the Benevita health bonus program.

No health check for the following supplementary insurance:

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

Reimbursement for vision care and dental treatment

SWICA supplementary insurance offers financial support for important healthcare services:

  • Glasses & contact lenses: Reimbursement between CHF 300 and CHF 1,000 per year
  • Dental treatment: Reimbursements between CHF 100 and CHF 2,000 per year
  • Orthodontics for children up to 25 years of age: Up to CHF 10,000 per year

These additional benefits help you to maintain your dental health and vision.

Support for well-being, exercise and nutrition

Health is more than just medical care. That's why SWICA offers reimbursements for:

  • Wellbeing: e.g. massages, thermal baths and other relaxation offers
  • Exercise: fitness studio, dance classes or other sports activities
  • Nutrition programs: sustainable weight loss with professional support

Depending on the insurance model chosen, between 50% and 90% of the costs will be reimbursed – with amounts of up to CHF 1,300 per year.

Worldwide protection – travel and work with peace of mind

No matter where you are, with SWICA supplementary insurance you are covered worldwide:

  • Emergency treatment (inpatient and outpatient) covered worldwide
  • Optional inclusion of planned treatment abroad
  • Financial security in the event of a medical emergency while traveling or living abroad

Comprehensive medical cover

SWICA's Silver, Gold and Platinum packages cover medically necessary treatments and protect you from high unexpected health costs.

  • Outpatient and inpatient treatments
  • Medical emergencies and necessary procedures
  • Optimal care without financial worries

Other insurance – comprehensive cover with up to 25% discount

In addition to health insurance, you benefit from exclusive offers at AXA for:

  • Personal liability insurance
  • home contents insurance
  • car insurance
  • legal expenses insurance
  • term life insurance

Premiums paid by the employer

Novartis supports your financial security by:

  • Paying the premiums for the daily sickness allowance (DSA) for unlimited employment contracts – ensures your income during recovery (the currently valid P&O sick pay regulations apply)*
  • Payment of mandatory accident insurance (UVG) – fully covers occupational and non-occupational accidents.
  • Recommended additional coverage through SWICA accident insurance (Infortuna) – for extended benefits after an accident.

Pension fund & retirement planning – secure your future

Novartis offers above-average pension benefits with a 2:1 employer-employee financing ratio. These include:

  • Lifelong retirement pension
  • Disability pension
  • Spouse's/partner's pension
  • Child pension
  • Lump-sum death benefit & retirement capital

Support for retirement

Novartis (P&O) helps employees prepare for retirement. From the age of 58, you have the opportunity to take part in a two-day retirement seminar to prepare for this phase of your life in the best possible way.

Free advice and personal support

Our internal insurance service is a free and independent service for Novartis employees and their families. We help you navigate the Swiss insurance system and choose the best solutions for your needs.

Contact us for an information session about the insurance offers and special conditions, as well as the insurance benefits of your pension fund.

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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