Compare supplementary insurance 2026

Q: What is the difference between semi-private and private?

**Semi-private** generally guarantees you a two-bed room in the hospital. **Private** guarantees you a single room and usually treatment by the head physician.

Q: What does the Compando service cost?

Our analysis and the creation of your personal offers are **100% free and non-binding** for you.

Find the right coverage by comparing supplementary insurance plans in Switzerland. Compando can help you with that.

Individual needs

You define what is important to you.

Transparent analysis

Our experts review the market for you.

Offer

You receive a personalized solution.

When is supplementary insurance worthwhile?

The mandatory basic insurance covers essential medical care – no more, no less. Supplementary insurance makes sense if you want more comfort, flexibility, and additional security.

➤ In short: it fills the gaps left by basic insurance.

Typical examples include contributions to your gym membership, free choice of doctor in hospital, alternative medicine, or dental treatments.

Choose what matters to you:

Your selection will be used for your personalized quote.

Find the right supplementary insurance in 3 steps

We make the complex search simple, transparent, and safe for you.

You tell us what matters to you – this is the basis for your personal offer comparison.

Based on your wishes, our independent experts analyze the market and review the benefits and the fine print of the relevant providers.

You will receive a non-binding quote from us with the best options tailored to your needs, so you can make the right decision easily and safely.
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Supplementary Insurance Explained Simply

Outpatient vs. Hospital

Outpatient supplements cover services like fitness or glasses. Hospital supplements offer you more comfort in the hospital.

Health Check

The insurer checks your health status. Important: Honest information is crucial for your insurance coverage.

Reservation

The insurer can exclude benefits for pre-existing conditions. This is called a "reservation."

Waiting Period

For some benefits (e.g., maternity), there is a waiting period after signing up before you can claim benefits.

TIP

It is best to take out supplementary insurance when you are young and healthy. This makes acceptance without reservations most likely.

A selection of our partners

Compando works with leading Swiss insurance and health insurance companies to guarantee you a complete and independent market overview.

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Frequently Asked Questions about Supplementary Insurance

Here you will find answers to the most important questions about comparing and choosing the right supplementary insurance.

No, you are completely free in your choice. Our experts will check for you whether a combination discount with your current insurer is worthwhile or if switching is the better option.

Yes. Unlike basic insurance, there is no obligation to accept applicants here. The insurer checks your health status and can reject an application or apply a "reservation" for pre-existing conditions. It is therefore advantageous to sign up at a young age while in good health.

The notice periods vary depending on the contract and are often longer than for basic insurance (usually 3 months, often at the end of the year). Check your policy carefully – our experts will help you with this.

A reservation means that the insurance company accepts your application but excludes benefits for a specific, pre-existing condition (e.g., back problems) from coverage for a certain period or permanently.

Yes, for some benefits such as maternity, dental treatments, or orthodontics, there is often a waiting period of several months to a year after the contract is signed before you can claim benefits.

Yes, especially. Supplementary dental insurance for children is almost a must, as the costs for braces can quickly run into five figures. In addition, acceptance at a young age is guaranteed to be problem-free.

Semi-private generally guarantees you a two-bed room in the hospital. Private guarantees you a single room and usually treatment by the head physician.

That's precisely when it makes the most sense to sign up. You will be accepted without any problems or reservations and secure your protection for the future. You also immediately benefit from preventive services such as contributions to your gym membership.

Your supplementary insurance remains unaffected, even if you switch your basic insurance to another provider. You may lose a possible combination discount.

Our analysis and the creation of your personal offers are 100% free and non-binding for you.

Compare supplementary insurance 2026

When is supplementary insurance worthwhile?

Choose what matters to you:

Hospital

Teeth

Alternative healing methods

Fitness & prevention

Visual aid

Abroad & travel

Find the right supplementary insurance in 3 steps

Your needs analysis

Our expert analysis

Your tailored offer

Supplementary Insurance Explained Simply

Outpatient vs. Hospital

Health Check

Reservation

Waiting Period

A selection of our partners

This might also interest you.

Acupuncture: Natural Healing with Needles – and What Your Health Insurance Covers

Outpatient vs. Hospital: Which Supplementary Insurance Do You Really Need?

Complementary Medicine in Switzerland – Which Health Insurance Covers What?

Supplementary Hospital Insurance in Switzerland: Semi-Private or Private – What’s Really Worth It?

Osteopathy in Switzerland – Gentle Support for Body & Health

Frequently Asked Questions about Supplementary Insurance

Do I have to have the supplementary insurance with the same insurer as the basic insurance?

Can a health insurance company reject my application?

What is the notice period for supplementary insurance?

What is a 'reservation' in supplementary insurance?

Is there a waiting period (grace period)?

Is supplementary insurance worthwhile for children too?

What is the difference between semi-private and private?

Do I need supplementary insurance if I'm healthy?

What happens if I switch my basic insurance?

What does the Compando service cost?