What is outpatient insurance?
Outpatient insurance is an LCA supplementary that covers "non-hospital" services LAMal doesn't fully reimburse. It targets everyday comfort and prevention, unlike hospital cover. It's optional, to tailor to your real needs.
What it typically covers
Depending on the contract: a contribution to glasses and lenses, a fitness/sport allowance, travel vaccines and certain off-list medicines, prevention check-ups, sometimes care abroad or transport and rescue. Each insurer builds its offer differently — look at the detailed benefits, not just the premium.
How to choose and what it costs
Start by listing what you actually use (glasses yearly? regular sport? travel?): no point paying for benefits you won't use. Price depends on age, chosen modules and caps. Compare covered benefits and their limits before subscribing, and prefer subscribing young and healthy.