A large proportion of the Swiss population needs to wear glasses or contact lenses, which can, in certain circumstances, be a major expense.
But are these costs covered by basic insurance? Is it only partially covered? In which cases is supplementary insurance worthwhile, etc.? This article aims to answer all your questions.
The basic insurance from a health insurance company normally covers only a small part of the costs. In principle, adults do not receive a contribution for glasses and/or contact lenses. However, children up to the age of 18 receive an annual contribution of CHF 180 for contact lenses and spectacle lenses. To apply for these contributions, you must submit a prescription from your ophthalmologist to your insurance company.
The situation is different for adults and children if the impairment of their vision is due to an illness and a visual aid is required.
For example, in the case of a corneal disease or a cataract. In this case, contributions are paid according to the diagnosis.
In all cases, basic insurance contributions relate exclusively to contact lenses and spectacle lenses.
Eyeglass frames and contact lens care products are not covered, and are excluded from basic health insurance coverage.
Please note: the co-payments and deductibles of the insured person also remain valid in all the above cases.
People who wish to obtain contributions from their health insurance company for their visual aids should always take out complementary insurance.
The scope of benefits and costs vary from one health insurance company to another. It is therefore worthwhile to examine and compare the various offers.
There may already be cover for glasses and contact lenses.
Many health insurance companies offer benefits for glasses and contact lenses. This is the case with SWICA, for example, which sells SUPPLEMENTA supplementary insurance, or Helsana, which offers several supplementary health insurance plans that cover the costs of glasses and/or contact lenses.