Complementary Health

Supplementary health insurance (TSS) covers co-payments at private hospitals while you have active SGK coverage. SGK pays first; the remainder is covered within policy limits. Premiums are lower than private health insurance, but SGK membership is required.

What is and isn't covered

Most policies cover outpatient care (consultations, tests, imaging) and inpatient care (surgery, ICU, room differential). Dental, vision and check-up packages are not standard — ask explicitly. Pre-existing conditions often activate after a waiting period or with exclusions; read the wording before signing.

Waiting period

The standard waiting period is three months. Planned treatment before it ends is not covered; emergencies may be treated differently per policy. Buying early reduces the gap where you pay out of pocket.

Hospital network matters

Few contracted hospitals in your city means the policy is useless in practice. Check the network before the price. Family packages shift premium significantly with spouse and child ages.

TSS premium depends on age, gender, province, package and health declarations. The same coverage can be priced differently across insurers.