VVG / LCA
Supplementary Insurance Law
Simple Definition
The Federal Law on Insurance Contracts (VVG/LCA) governs optional supplementary insurance (Private, Semi-Private, Alternative Medicine, Dental). Unlike Basic (KVG), insurers **CAN** reject you based on a health questionnaire.
Why this matters to Expats.
This is where the "Golden Cage" happens. If you develop a condition, you may never be able to switch your Supplementary provider again because a new one will reject you. Therefore, stick with a reputable provider for VVG, even if you switch your KVG annually.
Actionable Intelligence
Split Your Policies: You can have Basic (KVG) with Cheap Provider A and Supplementary (VVG) with Premium Provider B. This saves money while keeping good perks.
Apply Early: Get approved for VVG before you have any medical history in Switzerland.
Flex Models: "Flex" hospital insurance is a modern hybrid that is much cheaper than full Semi-Private.
Frequently Asked Questions
Can I be rejected?
Yes. They can reject you for being too old, having high BMI, or past illnesses.
Is it worth it?
For comfort (single room), choice of doctor, and alternative medicine—yes. For pure medical survival—no, KVG is enough.
Can I cancel it?
Yes, but be careful. Once you cancel, you might not get it back.
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