Swiss LCA supplementary insurance comparator 2026 | Polia
Pick your category, age and level — see monthly premiums sorted from cheapest to most expensive.
Potential savings
CHF 2'376/year
Difference between cheapest and priciest plan, across 8 compared.
Ranked by monthly premium
- 1ConcordiaBasic★ Cheapest
- Public room+
- Hotel-like comfort
CHF 82
/month
- 2VisanaBasic
- Public room+
- Hotel-like comfort
CHF 85
/month
- 3CSSStandard
- Semi-private room
CHF 158
/month
- 4SanitasStandard
- Semi-private room
- Second opinion
CHF 162
/month
- 5HelsanaStandard
- Semi-private room
- Free doctor choice
CHF 165
/month
- 6SWICAPremium
- Private room
- Free doctor choice
- Wellness bonus
CHF 268
/month
- 7CSSPremium
- Private room
- Free doctor choice
- Worldwide coverage
CHF 275
/month
- 8HelsanaPremium
- Private room
- Free doctor choice
- Worldwide coverage
CHF 280
/month
Important: unlike LAMal, LCA is not mandatory and insurers can refuse you or exclude pre-existing conditions. Subscribe ideally young and healthy.
Pour aller plus loin : guide de l'assurance dentaire et la différence entre LAMal et LCA.
What is LCA supplementary insurance?
Supplementary health insurance (governed by the LCA/VVG) covers what the compulsory basic insurance (LAMal) does not: alternative medicine, semi-private or private hospital rooms, dental care, glasses, fitness or prevention. It is optional and its terms vary freely from one insurer to another, which is why comparing pays off.
LAMal vs LCA: what's the difference?
LAMal is compulsory and its benefits are identical everywhere, fixed by law. LCA is optional and tailored: the insurer may refuse an application or add exclusions based on your health. You can hold your basic and supplementary cover with two different insurers — comparing each separately often saves money.
Which supplementary insurance is best?
There is no universal best: the right cover is the one that matches your real needs (hospital, dental, alternative medicine) at the best price. Compare benefits item by item rather than just the premium, and check exclusions, waiting periods and annual caps. Most large insurers offer supplementary plans — see Polia's insurer directory.
How it works and what it costs
Unlike LAMal, LCA premiums are not standardised: they depend on your age, your health at sign-up and the benefits chosen. Two people can pay very different amounts for similar cover. Always ask for personalised quotes and read the general terms (exclusions, waiting periods, caps) before signing.
Benefits and limits
Benefits: hospital comfort (private room, free choice of doctor), dental cover, glasses, alternative medicine and prevention. Limits: the insurer can refuse you or add exclusions, premiums rise with age, and some benefits are capped or have waiting periods. Sign up young and healthy for the best terms.
How to choose and cancel
List your needs, compare three or four offers item by item, then request quotes. To cancel, respect the notice period in your terms (often three months before renewal) and never cancel your old supplementary before the new insurer has accepted you in writing.
FAQ
What is the difference between LAMal and LCA?
LAMal is the compulsory basic insurance, with benefits fixed by law and identical at every insurer. LCA (supplementary) is optional: it covers what the basic plan does not, such as alternative medicine, semi-private or private hospital rooms, dental care or glasses.
Is LCA supplementary insurance compulsory?
No. Only basic insurance (LAMal) is compulsory in Switzerland. Supplementary cover is entirely optional and can be taken out with a different insurer than your basic plan.
How much does supplementary insurance cost?
LCA premiums are not standardised. They vary by age, health at sign-up and the benefits chosen, so a personalised quote is essential before signing; a comparison gives a first overview.
How do I cancel an LCA supplementary plan?
Notice periods depend on your contract, typically three months before annual renewal. Only cancel your existing cover once the new insurer has confirmed your acceptance in writing.