Sophie’s guides
What you need to understand before choosing, explained once and properly. Each guide fits on one page and cites its sources.
CHF 300 or CHF 2,500 deductible?The exact break-even, on your own premiums.Read the guide →- Family doctor, HMO or telemedicine?The real constraint behind each premium cut.Read the guide →
Cancelling your health insurer30 November — and what “arrived” means.Read the guide →
Premium subsidiesThe lever most eligible people never use.Read the guide →
Understanding LAMalWhy benefits are identical everywhere.Read the guide →
Supplementary insurance (VVG)Basic and supplementary do not follow the same rules.Read the guide →- Pillar 3a taxation 2026The three tax moments: pay in, hold, take out.Read the guide →
Our status and your rightsWho does what — and what the law guarantees you.Read the guide →- Is dental care covered?No for ordinary treatment — the three exceptions in the law.Read the guide →
- Are braces covered?No, unless a congenital condition applies — and you must act early.Read the guide →
- Are glasses covered?No for adults since 2011, a contribution for children.Read the guide →
- Is complementary medicine covered?Five methods, but only when a medical doctor provides them.Read the guide →
- Is osteopathy covered?Not by basic insurance — a prescription changes nothing.Read the guide →
- Is a private room covered?No — basic insurance pays for the general ward, nothing more.Read the guide →
- Is pregnancy covered?Yes — and with no deductible or co-payment from week 13.Read the guide →
- Is a hospital stay covered?Yes in the general ward — and what you still pay anyway.Read the guide →
- Is physiotherapy covered?Yes on prescription — nine sessions at a time, renewable.Read the guide →
- Is psychotherapy covered?Yes — and since 2022, on a simple prescription from your GP.Read the guide →
- Are medicines covered?Yes if they are on the list — and refusing a generic costs you.Read the guide →
- Is an ambulance covered?Only half, capped at CHF 500 a year.Read the guide →
- What to do after a car accidentThe steps in order, and who pays for what.Read the guide →
- The bonus level, explainedA claim costs the repair plus several years of premium.Read the guide →
- E-bike: which insuranceThree risks, three different contracts.Read the guide →
- Flatshare: who is coveredTwo contracts, and the gaps between them.Read the guide →
- The gap between salary and disability insuranceA few weeks of salary, then nothing for a year.Read the guide →
- The health questionnaireFive minutes that bind the whole contract.Read the guide →
- Who receives the bill, and who pays itTwo systems, and the envelope you must not forget.Read the guide →
- Moving: what has to be reportedFive contracts, two cancellation rights, one order.Read the guide →