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    Innova

    The innovative health care scheme Innova offers its members new insurance solutions and sets up during this on the personal responsibility of its  insured .Non-smokers lead a healthier life and enjoy at Innova the same right to reductions . Generous discounts in the basic insurance as well as interesting supplementary insurances make Innova one of the most preferred health insurance schemes in the last years.


    Advantages of Innova
    Good Price ratio/service ratio especially regarding people aware of health issues. Besides the family doctor-model or the HMO-model there is a saving opportunity for those who decide to lead a healthy life style.

    Noteworthy information
    The supplementary insurance „sanvita“ is only open for non-smokers. The premiums are up to 35% lower. „Complementea“ offers in terms of alternative and anthroposophical medicine the best services, almost without any restrictions.

    Member health insurances

    Calculate Innova premiums & order direct offers:

    The offer is going to be sent by email within minutes.

    Model ?
    Traditional
    Standard components of obligatory healthcare insurance. Same components for all health insurance bureaus, with free selection.

    House doctor model
    5-20% premium advantage / in the event of illness you must always begin by consulting your house doctor (except in an emergency).

    HMO model
    Premium advantage up to 25% / in the event of illness you must always begin by consulting a doctor who is practicing in an HMO Centre (unless in an emergency).

    Telmed model
    Premium avantage up to 15% / you must make a telephone call to the helpdesk prior to every doctor's visit - you will be offered advice and possible hints regarding medical treatment or regarding the doctor who should be consulted. This excludes emergencies etc.
    Year of birth Deductible rate ?
    Our franchise is recognised as an excess amount which the insured party must carry itself as part of occurrent costs in connection with doctors, hospital treatment or medicaments. Selecting a higher franchise will allow the insured party to benefit from generous premium rebates. The maximum premium rebate for children is 420 CHF / year; for adults it's about 1,540 CHF / year.
    		 Accident coverage ?
    Mandatory for:
    • Unemployed children and youth.
    • Unemployed adults and who do not receive unemployment daily allowance.
    Not necessary for:
    • People who are employed at least 8 hours a week (the employer must ensure them against accidents).
    • Unemployed people with unemployed daily allowance are insured against accidents by SUVA.
    1. person yes no
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    VN:F [1.9.7_1111]
    Friendliness
    Competence
    Understandability
    Promptness
    General satisfaction
    Rating: 3.5/5 (2 votes cast)

    Details concerning Innova

    Number of insured: 37'004
    Field of activity: all Switzerland
    BAG-Nr.: 1563
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