What we do
Mandatory and complex
The Swiss insurance system can be particularly complicated for new employees from abroad. Technical terms, legal requirements and the small print often make it difficult to get started. Our services include comprehensive information and clear explanations of the insurance offers taken out and the special conditions agreed with our insurance partners. In addition, we have set up specialized teams at our insurance partners who will provide you with individual and needs-based advice. This is how we ensure that you receive the appropriate insurance coverage with little effort on your part. We make the insurance process simple and easy to understand to help you get off to a smooth start in Switzerland.
Key features of our insurance offering
Flexibility in designing your health insurance
Our health insurance options are designed to be flexible, so you can tailor your plan to your specific needs. Choose from:
- Various core plan options (standard or alternative)
- Deductibles to reduce premiums
- Supplementary health insurance (general, semi-private or private)
We also offer additional out-patient insurance options, including dental benefits for children up to the age of 25 with orthodontic treatment covered up to CHF 10,000.
Exclusive benefits for Novartis associates
- 25% discount on semi-private, private and worldwide hospital insurance (Hospita Private Worldwide, Semi-private or Flex).
- 10% discount on general ward throughout Switzerland and worldwide outpatient package (Optima)
- Benevita Health Bonus Program: Up to 15% additional discount
- No medical exam required for the standard package
Reimbursement for glasses, contact lenses and dental care
Our supplementary insurance plans offer annual reimbursements for:
- Glasses and contact lenses: CHF 300 to 1,000
- Dental treatment: CHF 100 to 2,000
- Orthodontic treatment for children up to 25 years of age: Up to CHF 10,000
Reimbursements for wellness, exercise and nutrition
Our supplementary outpatient insurance includes:
- wellness services (e.g. massages, thermal baths)
- exercise (e.g. gym membership)
- nutrition programs for sustainable weight loss
Depending on the product selected, contributions of 50% and 90% of the costs for activities such as dance classes or fitness center (with or without sauna/bath) between CHF 300 and 1,300 per year are supported. These services promote your health and well-being.
Worldwide protection
Wherever you are, our supplementary insurance offers worldwide protection for emergency treatment, both inpatient and outpatient. Planned treatment abroad can also be included to ensure worldwide protection and peace of mind when traveling or living abroad.
Comprehensive medical care
Our Silver, Gold and Platinum packages focus on covering essential medical costs, such as outpatient and inpatient treatment, to avoid the financial burden of high medical expenses.
Premiums paid by the employer
Novartis covers the premiums for:
- Daily sickness benefits to ensure continued salary payments during recovery (see continued salary payment provisions)
- Compulsory accident insurance (occupational and non-occupational accidents)
We recommend additional coverage through SWICA's supplementary accident insurance (Infortuna) for enhanced accident treatment benefits.
Pension fund and retirement benefits
Pension fund contributions
Depending on your total income (ABS and STI), you are entitled to above-average benefits, with contributions split 2:1 between employer and employee. These include:
- Lifelong retirement pensions
- Disability pensions
- Pensions for spouses/life partners
- Child pensions
- Lump-sum death benefit
- Retirement capital and other risk benefits
For more information, please visit our pension fund website.
Retirement planning assistance
To help you prepare for retirement, we offer a two-day retirement planning seminar to all associates aged 58 or older.
Other insurance services
We also offer support and advice on a variety of other insurance services, including:
- personal liability
- home contents
- car insurance
- legal expenses
- term life insurance
Independent and free internal service
Novartis Insurance Services offers you and your family free, independent advice and support. We explain the insurance options available and exclusive special conditions that we have obtained from our partners. Our dedicated partner teams are on hand to provide you with personalized, needs-based advice and ensure that your specific requirements are met.
In addition to tailored health insurance, we also offer competitive options for home, liability, auto and life insurance.
Contact us
For more information or to make an appointment, please feel free to contact us by email or arrange a virtual appointment via MS Teams or an in-person appointment at your location.