As we reach the end of the year I have been looking at supplementary insurance packages to try and determine whether any are worth my while.
I’ve found some of the options from SWICA to look almost ‘too good to be true’.
If you take the SWICA COMPLETA TOP package you can add on the SWICA COMPLETE PRAEVENTA package. This comes to a total cost of CHF30.30 per month or CHF363.60 a year.
The benefits you get from this supplementary:
This assumes you wear glasses/contact lenses, travel to the US/Canada/Australia every now and then so benefit from insurance abroad, have a medical checkup every few years, and go to a gym or do sporting actives that cost over CHF1k.
By my personal calculation this package would save me over CHF400 a year.
And thats ignoring the other benefits such as alternative treatments, alternative medicines, maternity, home help, spa treatments, orthodontics (if you are under 25), medically prescribed aid contributions (e.g. wheelchair), and vaccines (which work for travel).
Am I missing something? How do they make money with this insurance when the gym benefit alone (CHF500) is more than the annual cost (CHF363.60).