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www.assura.ch

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Important information DiscountsDiscount for methods of payment

2% for annual payment1% for half-yearly payment

Discount for minors

20% on complementary insurancefor minors if at least 2 people in thesame family are insured with Assura SA (except for Previsia categories).

Combination discount

Discounts are granted when sub-scribing to Complementa Extra, and at least one of the following complementary categories:

NaturaDenta PlusMondiaPriveco VariaPriveco Plus VariaOptima VariaOptima Plus VariaUltra VariaHospita

If the Medna category is taken out together with the Natura catego-ry, a discount of up to 50% of the Medna premium is granted.

Combination discounts are grantedas long as the categories concernedare in force and covered by a singlepolicy (one contract only).

0842 277 872 (0842 ASSURA) Max Fr. 0.08/min

Reimbursement

In health insurance, there are two different systems for the forwarding and payment of medical expenses.- The direct settlement system: The bill is sent directly to the insurer who

pays the health care provider. If the annual deductible has not been reached, the insured person reimburses the insurer.

- The "third party” guarantee system: The patient pays the health-care pro-vider and then requests the reimbursement from the insurer.

Limiting administrative costs

As the amount of the bills is often lower than the amount of the annual deductible, we have chosen the “third party” guarantee system for the reim-bursement of medication. This system allows you as an informed policy hol-der to carry out the first control of costs and avoid the purchase of medica-tion which will eventually not be used. Moreover, by grouping your bills and only sending them when the amount of the annual deductible has been exceeded, you are actively participating in the reduction of administrative costs.

Cost-sharing

In addition to the annual deductible, the insured person assumes a 10% retention fee, up to a maximum of Fr. 700.– for an adult and Fr. 350.– for a child. A 20% retention fee may be charged for original pharmaceuticals when a generic equivalent exists. We therefore recommend the use of generics.

Limitations of the complementary insurance cover

We draw your particular attention to the limitations of cover as described in our general conditions for complementary insurance.

TermsThe terms “annual” or “per year” used in this document always refer to a calendar year.

Entry age

A Complementary insurance, its premium, after the age of 26, is calculated according to the age at the conclusion of the contract. It remains unchanged for the duration of the contract.

V Complementary insurance with transition to the upper age group at the attained age limit.

This document is subject to changes of insurance conditions. The legal stipulations as well as the general and special conditions of insurance determine the right to benefits.

Products overview

Compulsory health insuranceand complementary insurances

Join us!

Lump sum in the event of hospitalisation

The capital sum is paid once each year for hospital admission lasting for more than 24 hours. However, this sum is not paid for hospital stays caused by an illness falling within the scope of LAA, LAI or LAM com-pulsory care.

Insured capital Fr. 500.– Fr. 1'000.– Fr. 1'500.– Fr. 2'000.– Fr. 2'500.– Fr. 3'000.–

Hospita

My insurance for additional costs due to my hospitalisation

1 bed per room

Cover without duration limit, with free choice of doctor, in all Swiss official medical establishments (information at Assura SA prior to hospital admission)

Full cover for all Swiss official medical esta-blishments

Fr. 150.– per day, max. Fr. 1'500.– paid to the insuree who chooses the general ward of a public hospital. Fr. 50.– per day, max. Fr. 500.– if he chooses an establishment approved within the Optima Varia and Optima Plus Varia categories.

Fr. 1'000.– per year.

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

For foreign stays, max. 45 consecutive days: organisation of care, ambulance transport, repatriation, advance on expenses, search and rescue up to Fr. 10'000.–, visit by a close member of family, administrative assistance etc. Emergency number available 24h/24 0041 (0) 21 721 44 88. Cover according to the tariff applied in Switzerland. Possibility of covering the amount in excess of the Swiss tariff and of extending the period of cover with Mondia.

Types of accomodation

Treatments and hospital stays

Treatments and stays in an establishment not recognised by Assura SA

Allowance for stays in a ward of a lower category

Special care

Treatments and stays abroad

Emergencies abroad

Special benefits

Hospitalisation insurances

Ultra Varia Priveco Varia

Optima Varia

Priveco Plus Varia

Optima Plus Varia

2 beds per room | 1 bed per room

Cover without duration limit in the establish-ments listed by the cantons (information at Assura SA prior to hospital admission).

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

2 beds per room | 1 bed per room

Cover without duration limit, with free choice of doctor, in the establishments approved by Assura SA (information at Assura SA prior to hospital admission)

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

Fr. 500.– per year. | Fr. 1'000.– per year

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

Hospitalisation

This document is addressed to our English speaking clientele with the purpose to facilitate access to our insurance products. It is of a strictly informa-tive nature. Please note that Assura provides its services in French, German and Italian, but not in English.

Legal obligations as well as the extent of benefits provided by Assura are determined exclusively on the basis of the general insurance conditions (CGA). These are available in French, German or Italian.

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Insuree’s participation

Release from premium payments in the event of redundancy

- The chosen annual deductible - Annual retention fee: 10% (max Fr. 350.– for children and Fr. 700.– for adults) - Annual retention fee on pharmaceuticals when a generic is available: 20% - In the event of hospitalisation, from age 26, Fr. 15.– per night

Cover in the general ward of public hospitals in the canton of resi-dence (cantonal and district hospitals).

Cover in the canton of residence or place of work.

Acupuncture, anthroposophical medicine, Chinese medicine, homeopathy, neural therapy, phytotherapy.

Based on the list of medecines with tariff (LMT) and the list of phar-maceutical specialties (LS), including generics.

Based on the list of aids and devices (LiMA)

If required after a serious illness or as an accident sequel (see exhaus-tive list in Chapter 5 OPAS).

In Switzerland, 50% of the invoiced amount; for transport: Fr. 500.– per year; for rescue: Fr. 5'000.– per year.

Based on bilateral agreements for the EU and EFTA. For other countries, up to twice the tariff applicable in the canton of residence.

Based on statutory benefits.

In Switzerland, Fr. 10.– per day, 21 days per year for accommodation costs. Plus treatment costs.

Fr. 180.– per year, up to the 18th birthday.

No insuree participation.

After a 90 day waiting period, the premiums for the complementary insurances concluded simultaneously with the present category are settled by Assura SA; this includes premiums for members of family living in the same household.

Cover in the general ward of all public hospitals in Switzerland inclu-ding semi-hospital or outpatient treatment, with no limitation as to time and free choice of doctor.

Fr. 50.– per day, 30 days per year, during hospitalisation and up to the 15th day following hospitalisation.

Fr. 1'000.– per year in the event of hospitalisation.

Fr. 70.– per day for 10 days per year for accommodation expenses billed by a hospital for a person accompanying a child.

Fr. 70.– per day, 21 days per year for children of an insured adult who has been admitted to hospital.

Payment of the difference in tariff outside the canton of residence.

Fr. 50'000.– throughout the contract for vital pharmaceuticals without equivalent in LS.

Fr. 500.– per year for medical appliances or orthopaedic products.

Fr. 1'500.– per year after deduction of the Fr. 500.– annual deductible according to the SSO tariff. Additional cover and annual deductible reduced by 50% for minors with Denta Plus.

In Switzerland, 100% of the amount billed: no limit for transport; for rescue: Fr. 20'000.–.

Cover based on tariff applied in Switzerland.

Fr. 50.– per day, max. Fr. 3'000.– per year, when an insured minor is ill or victim of an accident and cannot follow the school syllabus for a month.

Fr. 200.– per day, 21 days per year, on medical prescription.

In Switzerland: Fr. 1'000.– per year for costs and treatments. Abroad: Fr. 500.– per year, if the disease cannot be treated in Switzerland.

In Switzerland, Fr. 40.– per day, 21 days per year.

Fr. 100.– per year, can be accumulated over several years to reach a total of Fr. 500.–.

Fr. 100.– per year; can be accumulated over several years to reach a total of Fr. 500.–.

Up to 100% of gross expenses of Fr. 1’500.– per civil year, for costs of medically prescribed treatments and carried out by non-physician psychotherapists and independent psychologists mentionned on the list established by the organisation of Swiss health insurers.

Outpatient treatment and special benefits

Alternative therapies provided by an FMH physician

Pharmaceuticals on medical prescription

Assistive devices on medical prescription

Dental treatment

Transport and rescue

Emergencies abroad

School assistance by a qualified person

Home care to avoid hospital admission

Spa treatment on medical prescription

Convalescence on medical prescription

Spectacle lenses and contact lenses

Corrective sight surgery

Non-physician psychotherapists and independent psychologists

Hospital treatments and stays

Home help from an assistance service

Special carer

Accompanying a child

Child care up to age 15 provided by an official agency

Alternative medecine costs • Home care • Worldwide private ward hospitalisation • Convalescence treatments and stays • Plastic surgery intervention • Domestic help by an assistance service • Auxiliary resources • Search, rescue and recovery costs • Transport costs • Mortal remains transport costs • Material damages • Supplementary benefits in case of accident abroad

My insurance for a good holiday

Hospitalisation

Treatment and miscelleanous costs

Treatment costs

Lump sum and benefits in the event of death and disability following an accident

Previsia PlusCover according to different fixed variants

Basis Complementa Extra

Compulsory health insurance and extended complementary insurance

Dental care

Dental questionnaire: compensation of up to Fr. 100.– if affiliation to this category.

Dental check-up and descaling from the second year of insurance, Fr. 80.– per year without any annual deductible or retention fee

Annual deductible not applicable after 5 years without benefits. Prophylactic costs do not influence the grant of a bonus.

Fees and appliances: up to age 20, 80% of a maximum invoice of Fr. 500.– per full elapsed year can be accumula-ted over several years until a maximum sum of Fr. 10'000.– is reached.

Diagnostic and therapeutic measures: 80% of maximum billing of Fr. 15'000.– per year after deduction of the Fr. 500.– annual deductible (Fr. 250.– for minors).

Making of crowns, bridges and prosthetics: 80% of a maximum bill of Fr. 1'000.– per year.

The above benefits are covered by the official tariff.

Admission

Prophylactic treatment

Bonus

Orthodontics

Outpatient treatment

Technical services

Denta Plus

If taken out with Complementa Extra, the dental care benefits in the two categories are accumulated and the annual deductible charged once only.

In the event of a medical emergency whilst abroad, for max. 45 consecutive days: Cover possible for stays amounting to more than 45 days with the prior agreement of Assura SA.

Full cover of treatment costs, including amounts in excess of the rates charged in Switzerland. Refund of insuree’s contributions in EU and EFTA member countries. Ambulance transport

Validity

Benefits

Mondia

Cover abroad

My insurance to grow up healthy

By concluding at least two complementary insurances, of which one must be Complementa Extra, attractive combined discounts are granted.

Antenatal insurances

Dental care insurance

Extended care insurance

Travel and holiday insurance

Alternative medecines (physicians) insurance

Alternative medecine (therapists) insurance

Full cover accident insurance

Denta Plus

Complementa Extra

Mondia

Medna

Natura

Previsia Plus

Nativa

A choice of six complementary insurances to subscribe to prior to the birth

Prior to your child's birth, the following complementary insurances are accessible without a health questionnaire:

Adult variants (19 - 65 years old)

Death capital

Progressive disability capital

Hospital allowance

Allowance for loss of earnings

1

Fr. 20'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

2

Fr. 5'000.–

Fr. 100'000.–

Fr. 20.– (daily)

Fr. 10.– to Fr. 40.– (daily)

3

Fr. 30'000.–

Fr. 60'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 40.– (daily)

4

Fr. 50'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

5

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

Fr. 10.– to Fr. 20.– (daily)

Senior variants (66 - 75 years old)

Death capital

Proportional disability capital

Hospital allowance

Allowance for loss of earnings

1 12

Fr. 10.– (daily)

13

Fr. 5'000.–

Fr. 10.– (daily)

14

Fr. 5'000.–

Fr. 10'000.–

Fr. 10.– (daily)

15

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

MednaCare provided by physicianswho have taken specific training

• Acupressure • Bioresonance • Anthroposophical medicine • Ayurvedic medicine • Chinese medicine • Homeopathy • Medical hypnosis • Autogenic training • Neural therapy • Phytotherapy • Sophrology

Medical treatments: Fr. 80.– per session Pharmaceuticals (registered by Swissmedic): 80% of price up to Fr. 2'000.– per year on medical prescription

Annual deductible: Fr. 200.–

Recognised therapies (in so far as they are not covered by compulsory health insurance)

Treatment

Insuree's participation

In the event of the conclusion of Natura + Medna: the annual deductible is charged only once and Assura offers a discount of up to 50 % on the Medna premium.

Alternative medecines

NaturaCare provided by recognised therapists

• Acupressure • Acupuncture • Aromatherapy • Bioresonance • Lymphatic drainage • Etiopathy • Facial therapy – pulsology • Homeopathy • Iridology • Kinesiology • Chinese medicine • Mesotherapy • Ortho-bionomy • Osteopathy • Phytotherapy • Reflexology • Serocytotherapy • Shiatsu • Curative sophrology • Sympatico-therapy • Cranio-sacral therapy • Neural therapy Only by prior medical prescription: - Curative eurythmics - Eutonia

Maximum amount per session: - First consultation/health check-up: Fr. 130.– - Further sessions Fr. 110.– Maximum 12 sessions per year

Annual maximum: Fr. 800.–

Annual deductible: Fr. 200.– Annual retention fee: 10%

Cancellation of the annual deductible on next treatment after 5 years without benefits.

Recognised therapies (the list of recognised associa-tions and therapists avai-lable from Assura SA)

Treatment

Laboratory examinations and prescribed remedies

Insuree’s participation

Bonus

Child variants (0 - 18 years old)

Death capital

Progressive disability capital

Hospital allowance

6

Fr. 5'000.–

Fr. 150'000.–

Fr. 10.– (daily)

7

Fr. 3'000.–

Fr. 100'000.–

Fr. 10.– (daily)

8

Fr. 3'000.–

Fr. 75'000.–

Fr. 10.– (daily)

9

Fr. 3'000.–

Fr. 50'000.–

Fr. 10.– (daily)

10

Fr. 3'000.–

Fr. 30'000.–

Fr. 10.– (daily)

16

Fr. 10'000.–

Fr. 200'000.–

Fr. 10.– (daily)

17

Fr. 10'000.–

Fr. 250'000.–

Fr. 10.– (daily)

Lump sums

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www.assura.ch

Insuree’s participation

Release from premium payments in the event of redundancy

- The chosen annual deductible - Annual retention fee: 10% (max Fr. 350.– for children and Fr. 700.– for adults) - Annual retention fee on pharmaceuticals when a generic is available: 20% - In the event of hospitalisation, from age 26, Fr. 15.– per night

Cover in the general ward of public hospitals in the canton of resi-dence (cantonal and district hospitals).

Cover in the canton of residence or place of work.

Acupuncture, anthroposophical medicine, Chinese medicine, homeopathy, neural therapy, phytotherapy.

Based on the list of medecines with tariff (LMT) and the list of phar-maceutical specialties (LS), including generics.

Based on the list of aids and devices (LiMA)

If required after a serious illness or as an accident sequel (see exhaus-tive list in Chapter 5 OPAS).

In Switzerland, 50% of the invoiced amount; for transport: Fr. 500.– per year; for rescue: Fr. 5'000.– per year.

Based on bilateral agreements for the EU and EFTA. For other countries, up to twice the tariff applicable in the canton of residence.

Based on statutory benefits.

In Switzerland, Fr. 10.– per day, 21 days per year for accommodation costs. Plus treatment costs.

Fr. 180.– per year, up to the 18th birthday.

No insuree participation.

After a 90 day waiting period, the premiums for the complementary insurances concluded simultaneously with the present category are settled by Assura SA; this includes premiums for members of family living in the same household.

Cover in the general ward of all public hospitals in Switzerland inclu-ding semi-hospital or outpatient treatment, with no limitation as to time and free choice of doctor.

Fr. 50.– per day, 30 days per year, during hospitalisation and up to the 15th day following hospitalisation.

Fr. 1'000.– per year in the event of hospitalisation.

Fr. 70.– per day for 10 days per year for accommodation expenses billed by a hospital for a person accompanying a child.

Fr. 70.– per day, 21 days per year for children of an insured adult who has been admitted to hospital.

Payment of the difference in tariff outside the canton of residence.

Fr. 50'000.– throughout the contract for vital pharmaceuticals without equivalent in LS.

Fr. 500.– per year for medical appliances or orthopaedic products.

Fr. 1'500.– per year after deduction of the Fr. 500.– annual deductible according to the SSO tariff. Additional cover and annual deductible reduced by 50% for minors with Denta Plus.

In Switzerland, 100% of the amount billed: no limit for transport; for rescue: Fr. 20'000.–.

Cover based on tariff applied in Switzerland.

Fr. 50.– per day, max. Fr. 3'000.– per year, when an insured minor is ill or victim of an accident and cannot follow the school syllabus for a month.

Fr. 200.– per day, 21 days per year, on medical prescription.

In Switzerland: Fr. 1'000.– per year for costs and treatments. Abroad: Fr. 500.– per year, if the disease cannot be treated in Switzerland.

In Switzerland, Fr. 40.– per day, 21 days per year.

Fr. 100.– per year, can be accumulated over several years to reach a total of Fr. 500.–.

Fr. 100.– per year; can be accumulated over several years to reach a total of Fr. 500.–.

Up to 100% of gross expenses of Fr. 1’500.– per civil year, for costs of medically prescribed treatments and carried out by non-physician psychotherapists and independent psychologists mentionned on the list established by the organisation of Swiss health insurers.

Outpatient treatment and special benefits

Alternative therapies provided by an FMH physician

Pharmaceuticals on medical prescription

Assistive devices on medical prescription

Dental treatment

Transport and rescue

Emergencies abroad

School assistance by a qualified person

Home care to avoid hospital admission

Spa treatment on medical prescription

Convalescence on medical prescription

Spectacle lenses and contact lenses

Corrective sight surgery

Non-physician psychotherapists and independent psychologists

Hospital treatments and stays

Home help from an assistance service

Special carer

Accompanying a child

Child care up to age 15 provided by an official agency

Alternative medecine costs • Home care • Worldwide private ward hospitalisation • Convalescence treatments and stays • Plastic surgery intervention • Domestic help by an assistance service • Auxiliary resources • Search, rescue and recovery costs • Transport costs • Mortal remains transport costs • Material damages • Supplementary benefits in case of accident abroad

My insurance for a good holiday

Hospitalisation

Treatment and miscelleanous costs

Treatment costs

Lump sum and benefits in the event of death and disability following an accident

Previsia PlusCover according to different fixed variants

Basis Complementa Extra

Compulsory health insurance and extended complementary insurance

Dental care

Dental questionnaire: compensation of up to Fr. 100.– if affiliation to this category.

Dental check-up and descaling from the second year of insurance, Fr. 80.– per year without any annual deductible or retention fee

Annual deductible not applicable after 5 years without benefits. Prophylactic costs do not influence the grant of a bonus.

Fees and appliances: up to age 20, 80% of a maximum invoice of Fr. 500.– per full elapsed year can be accumula-ted over several years until a maximum sum of Fr. 10'000.– is reached.

Diagnostic and therapeutic measures: 80% of maximum billing of Fr. 15'000.– per year after deduction of the Fr. 500.– annual deductible (Fr. 250.– for minors).

Making of crowns, bridges and prosthetics: 80% of a maximum bill of Fr. 1'000.– per year.

The above benefits are covered by the official tariff.

Admission

Prophylactic treatment

Bonus

Orthodontics

Outpatient treatment

Technical services

Denta Plus

If taken out with Complementa Extra, the dental care benefits in the two categories are accumulated and the annual deductible charged once only.

In the event of a medical emergency whilst abroad, for max. 45 consecutive days: Cover possible for stays amounting to more than 45 days with the prior agreement of Assura SA.

Full cover of treatment costs, including amounts in excess of the rates charged in Switzerland. Refund of insuree’s contributions in EU and EFTA member countries. Ambulance transport

Validity

Benefits

Mondia

Cover abroad

My insurance to grow up healthy

By concluding at least two complementary insurances, of which one must be Complementa Extra, attractive combined discounts are granted.

Antenatal insurances

Dental care insurance

Extended care insurance

Travel and holiday insurance

Alternative medecines (physicians) insurance

Alternative medecine (therapists) insurance

Full cover accident insurance

Denta Plus

Complementa Extra

Mondia

Medna

Natura

Previsia Plus

Nativa

A choice of six complementary insurances to subscribe to prior to the birth

Prior to your child's birth, the following complementary insurances are accessible without a health questionnaire:

Adult variants (19 - 65 years old)

Death capital

Progressive disability capital

Hospital allowance

Allowance for loss of earnings

1

Fr. 20'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

2

Fr. 5'000.–

Fr. 100'000.–

Fr. 20.– (daily)

Fr. 10.– to Fr. 40.– (daily)

3

Fr. 30'000.–

Fr. 60'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 40.– (daily)

4

Fr. 50'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

5

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

Fr. 10.– to Fr. 20.– (daily)

Senior variants (66 - 75 years old)

Death capital

Proportional disability capital

Hospital allowance

Allowance for loss of earnings

1 12

Fr. 10.– (daily)

13

Fr. 5'000.–

Fr. 10.– (daily)

14

Fr. 5'000.–

Fr. 10'000.–

Fr. 10.– (daily)

15

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

MednaCare provided by physicianswho have taken specific training

• Acupressure • Bioresonance • Anthroposophical medicine • Ayurvedic medicine • Chinese medicine • Homeopathy • Medical hypnosis • Autogenic training • Neural therapy • Phytotherapy • Sophrology

Medical treatments: Fr. 80.– per session Pharmaceuticals (registered by Swissmedic): 80% of price up to Fr. 2'000.– per year on medical prescription

Annual deductible: Fr. 200.–

Recognised therapies (in so far as they are not covered by compulsory health insurance)

Treatment

Insuree's participation

In the event of the conclusion of Natura + Medna: the annual deductible is charged only once and Assura offers a discount of up to 50 % on the Medna premium.

Alternative medecines

NaturaCare provided by recognised therapists

• Acupressure • Acupuncture • Aromatherapy • Bioresonance • Lymphatic drainage • Etiopathy • Facial therapy – pulsology • Homeopathy • Iridology • Kinesiology • Chinese medicine • Mesotherapy • Ortho-bionomy • Osteopathy • Phytotherapy • Reflexology • Serocytotherapy • Shiatsu • Curative sophrology • Sympatico-therapy • Cranio-sacral therapy • Neural therapy Only by prior medical prescription: - Curative eurythmics - Eutonia

Maximum amount per session: - First consultation/health check-up: Fr. 130.– - Further sessions Fr. 110.– Maximum 12 sessions per year

Annual maximum: Fr. 800.–

Annual deductible: Fr. 200.– Annual retention fee: 10%

Cancellation of the annual deductible on next treatment after 5 years without benefits.

Recognised therapies (the list of recognised associa-tions and therapists avai-lable from Assura SA)

Treatment

Laboratory examinations and prescribed remedies

Insuree’s participation

Bonus

Child variants (0 - 18 years old)

Death capital

Progressive disability capital

Hospital allowance

6

Fr. 5'000.–

Fr. 150'000.–

Fr. 10.– (daily)

7

Fr. 3'000.–

Fr. 100'000.–

Fr. 10.– (daily)

8

Fr. 3'000.–

Fr. 75'000.–

Fr. 10.– (daily)

9

Fr. 3'000.–

Fr. 50'000.–

Fr. 10.– (daily)

10

Fr. 3'000.–

Fr. 30'000.–

Fr. 10.– (daily)

16

Fr. 10'000.–

Fr. 200'000.–

Fr. 10.– (daily)

17

Fr. 10'000.–

Fr. 250'000.–

Fr. 10.– (daily)

Lump sums

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Insuree’s participation

Release from premium payments in the event of redundancy

- The chosen annual deductible - Annual retention fee: 10% (max Fr. 350.– for children and Fr. 700.– for adults) - Annual retention fee on pharmaceuticals when a generic is available: 20% - In the event of hospitalisation, from age 26, Fr. 15.– per night

Cover in the general ward of public hospitals in the canton of resi-dence (cantonal and district hospitals).

Cover in the canton of residence or place of work.

Acupuncture, anthroposophical medicine, Chinese medicine, homeopathy, neural therapy, phytotherapy.

Based on the list of medecines with tariff (LMT) and the list of phar-maceutical specialties (LS), including generics.

Based on the list of aids and devices (LiMA)

If required after a serious illness or as an accident sequel (see exhaus-tive list in Chapter 5 OPAS).

In Switzerland, 50% of the invoiced amount; for transport: Fr. 500.– per year; for rescue: Fr. 5'000.– per year.

Based on bilateral agreements for the EU and EFTA. For other countries, up to twice the tariff applicable in the canton of residence.

Based on statutory benefits.

In Switzerland, Fr. 10.– per day, 21 days per year for accommodation costs. Plus treatment costs.

Fr. 180.– per year, up to the 18th birthday.

No insuree participation.

After a 90 day waiting period, the premiums for the complementary insurances concluded simultaneously with the present category are settled by Assura SA; this includes premiums for members of family living in the same household.

Cover in the general ward of all public hospitals in Switzerland inclu-ding semi-hospital or outpatient treatment, with no limitation as to time and free choice of doctor.

Fr. 50.– per day, 30 days per year, during hospitalisation and up to the 15th day following hospitalisation.

Fr. 1'000.– per year in the event of hospitalisation.

Fr. 70.– per day for 10 days per year for accommodation expenses billed by a hospital for a person accompanying a child.

Fr. 70.– per day, 21 days per year for children of an insured adult who has been admitted to hospital.

Payment of the difference in tariff outside the canton of residence.

Fr. 50'000.– throughout the contract for vital pharmaceuticals without equivalent in LS.

Fr. 500.– per year for medical appliances or orthopaedic products.

Fr. 1'500.– per year after deduction of the Fr. 500.– annual deductible according to the SSO tariff. Additional cover and annual deductible reduced by 50% for minors with Denta Plus.

In Switzerland, 100% of the amount billed: no limit for transport; for rescue: Fr. 20'000.–.

Cover based on tariff applied in Switzerland.

Fr. 50.– per day, max. Fr. 3'000.– per year, when an insured minor is ill or victim of an accident and cannot follow the school syllabus for a month.

Fr. 200.– per day, 21 days per year, on medical prescription.

In Switzerland: Fr. 1'000.– per year for costs and treatments. Abroad: Fr. 500.– per year, if the disease cannot be treated in Switzerland.

In Switzerland, Fr. 40.– per day, 21 days per year.

Fr. 100.– per year, can be accumulated over several years to reach a total of Fr. 500.–.

Fr. 100.– per year; can be accumulated over several years to reach a total of Fr. 500.–.

Up to 100% of gross expenses of Fr. 1’500.– per civil year, for costs of medically prescribed treatments and carried out by non-physician psychotherapists and independent psychologists mentionned on the list established by the organisation of Swiss health insurers.

Outpatient treatment and special benefits

Alternative therapies provided by an FMH physician

Pharmaceuticals on medical prescription

Assistive devices on medical prescription

Dental treatment

Transport and rescue

Emergencies abroad

School assistance by a qualified person

Home care to avoid hospital admission

Spa treatment on medical prescription

Convalescence on medical prescription

Spectacle lenses and contact lenses

Corrective sight surgery

Non-physician psychotherapists and independent psychologists

Hospital treatments and stays

Home help from an assistance service

Special carer

Accompanying a child

Child care up to age 15 provided by an official agency

Alternative medecine costs • Home care • Worldwide private ward hospitalisation • Convalescence treatments and stays • Plastic surgery intervention • Domestic help by an assistance service • Auxiliary resources • Search, rescue and recovery costs • Transport costs • Mortal remains transport costs • Material damages • Supplementary benefits in case of accident abroad

My insurance for a good holiday

Hospitalisation

Treatment and miscelleanous costs

Treatment costs

Lump sum and benefits in the event of death and disability following an accident

Previsia PlusCover according to different fixed variants

Basis Complementa Extra

Compulsory health insurance and extended complementary insurance

Dental care

Dental questionnaire: compensation of up to Fr. 100.– if affiliation to this category.

Dental check-up and descaling from the second year of insurance, Fr. 80.– per year without any annual deductible or retention fee

Annual deductible not applicable after 5 years without benefits. Prophylactic costs do not influence the grant of a bonus.

Fees and appliances: up to age 20, 80% of a maximum invoice of Fr. 500.– per full elapsed year can be accumula-ted over several years until a maximum sum of Fr. 10'000.– is reached.

Diagnostic and therapeutic measures: 80% of maximum billing of Fr. 15'000.– per year after deduction of the Fr. 500.– annual deductible (Fr. 250.– for minors).

Making of crowns, bridges and prosthetics: 80% of a maximum bill of Fr. 1'000.– per year.

The above benefits are covered by the official tariff.

Admission

Prophylactic treatment

Bonus

Orthodontics

Outpatient treatment

Technical services

Denta Plus

If taken out with Complementa Extra, the dental care benefits in the two categories are accumulated and the annual deductible charged once only.

In the event of a medical emergency whilst abroad, for max. 45 consecutive days: Cover possible for stays amounting to more than 45 days with the prior agreement of Assura SA.

Full cover of treatment costs, including amounts in excess of the rates charged in Switzerland. Refund of insuree’s contributions in EU and EFTA member countries. Ambulance transport

Validity

Benefits

Mondia

Cover abroad

My insurance to grow up healthy

By concluding at least two complementary insurances, of which one must be Complementa Extra, attractive combined discounts are granted.

Antenatal insurances

Dental care insurance

Extended care insurance

Travel and holiday insurance

Alternative medecines (physicians) insurance

Alternative medecine (therapists) insurance

Full cover accident insurance

Denta Plus

Complementa Extra

Mondia

Medna

Natura

Previsia Plus

Nativa

A choice of six complementary insurances to subscribe to prior to the birth

Prior to your child's birth, the following complementary insurances are accessible without a health questionnaire:

Adult variants (19 - 65 years old)

Death capital

Progressive disability capital

Hospital allowance

Allowance for loss of earnings

1

Fr. 20'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

2

Fr. 5'000.–

Fr. 100'000.–

Fr. 20.– (daily)

Fr. 10.– to Fr. 40.– (daily)

3

Fr. 30'000.–

Fr. 60'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 40.– (daily)

4

Fr. 50'000.–

Fr. 100'000.–

Fr. 30.– (daily)

Fr. 10.– to Fr. 60.– (daily)

5

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

Fr. 10.– to Fr. 20.– (daily)

Senior variants (66 - 75 years old)

Death capital

Proportional disability capital

Hospital allowance

Allowance for loss of earnings

1 12

Fr. 10.– (daily)

13

Fr. 5'000.–

Fr. 10.– (daily)

14

Fr. 5'000.–

Fr. 10'000.–

Fr. 10.– (daily)

15

Fr. 10'000.–

Fr. 20'000.–

Fr. 10.– (daily)

MednaCare provided by physicianswho have taken specific training

• Acupressure • Bioresonance • Anthroposophical medicine • Ayurvedic medicine • Chinese medicine • Homeopathy • Medical hypnosis • Autogenic training • Neural therapy • Phytotherapy • Sophrology

Medical treatments: Fr. 80.– per session Pharmaceuticals (registered by Swissmedic): 80% of price up to Fr. 2'000.– per year on medical prescription

Annual deductible: Fr. 200.–

Recognised therapies (in so far as they are not covered by compulsory health insurance)

Treatment

Insuree's participation

In the event of the conclusion of Natura + Medna: the annual deductible is charged only once and Assura offers a discount of up to 50 % on the Medna premium.

Alternative medecines

NaturaCare provided by recognised therapists

• Acupressure • Acupuncture • Aromatherapy • Bioresonance • Lymphatic drainage • Etiopathy • Facial therapy – pulsology • Homeopathy • Iridology • Kinesiology • Chinese medicine • Mesotherapy • Ortho-bionomy • Osteopathy • Phytotherapy • Reflexology • Serocytotherapy • Shiatsu • Curative sophrology • Sympatico-therapy • Cranio-sacral therapy • Neural therapy Only by prior medical prescription: - Curative eurythmics - Eutonia

Maximum amount per session: - First consultation/health check-up: Fr. 130.– - Further sessions Fr. 110.– Maximum 12 sessions per year

Annual maximum: Fr. 800.–

Annual deductible: Fr. 200.– Annual retention fee: 10%

Cancellation of the annual deductible on next treatment after 5 years without benefits.

Recognised therapies (the list of recognised associa-tions and therapists avai-lable from Assura SA)

Treatment

Laboratory examinations and prescribed remedies

Insuree’s participation

Bonus

Child variants (0 - 18 years old)

Death capital

Progressive disability capital

Hospital allowance

6

Fr. 5'000.–

Fr. 150'000.–

Fr. 10.– (daily)

7

Fr. 3'000.–

Fr. 100'000.–

Fr. 10.– (daily)

8

Fr. 3'000.–

Fr. 75'000.–

Fr. 10.– (daily)

9

Fr. 3'000.–

Fr. 50'000.–

Fr. 10.– (daily)

10

Fr. 3'000.–

Fr. 30'000.–

Fr. 10.– (daily)

16

Fr. 10'000.–

Fr. 200'000.–

Fr. 10.– (daily)

17

Fr. 10'000.–

Fr. 250'000.–

Fr. 10.– (daily)

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Important information DiscountsDiscount for methods of payment

2% for annual payment1% for half-yearly payment

Discount for minors

20% on complementary insurancefor minors if at least 2 people in thesame family are insured with Assura SA (except for Previsia categories).

Combination discount

Discounts are granted when sub-scribing to Complementa Extra, and at least one of the following complementary categories:

NaturaDenta PlusMondiaPriveco VariaPriveco Plus VariaOptima VariaOptima Plus VariaUltra VariaHospita

If the Medna category is taken out together with the Natura catego-ry, a discount of up to 50% of the Medna premium is granted.

Combination discounts are grantedas long as the categories concernedare in force and covered by a singlepolicy (one contract only).

0842 277 872 (0842 ASSURA) Max Fr. 0.08/min

Reimbursement

In health insurance, there are two different systems for the forwarding and payment of medical expenses.- The direct settlement system: The bill is sent directly to the insurer who

pays the health care provider. If the annual deductible has not been reached, the insured person reimburses the insurer.

- The "third party” guarantee system: The patient pays the health-care pro-vider and then requests the reimbursement from the insurer.

Limiting administrative costs

As the amount of the bills is often lower than the amount of the annual deductible, we have chosen the “third party” guarantee system for the reim-bursement of medication. This system allows you as an informed policy hol-der to carry out the first control of costs and avoid the purchase of medica-tion which will eventually not be used. Moreover, by grouping your bills and only sending them when the amount of the annual deductible has been exceeded, you are actively participating in the reduction of administrative costs.

Cost-sharing

In addition to the annual deductible, the insured person assumes a 10% retention fee, up to a maximum of Fr. 700.– for an adult and Fr. 350.– for a child. A 20% retention fee may be charged for original pharmaceuticals when a generic equivalent exists. We therefore recommend the use of generics.

Limitations of the complementary insurance cover

We draw your particular attention to the limitations of cover as described in our general conditions for complementary insurance.

TermsThe terms “annual” or “per year” used in this document always refer to a calendar year.

Entry age

A Complementary insurance, its premium, after the age of 26, is calculated according to the age at the conclusion of the contract. It remains unchanged for the duration of the contract.

V Complementary insurance with transition to the upper age group at the attained age limit.

This document is subject to changes of insurance conditions. The legal stipulations as well as the general and special conditions of insurance determine the right to benefits.

Products overview

Compulsory health insuranceand complementary insurances

Join us!

Lump sum in the event of hospitalisation

The capital sum is paid once each year for hospital admission lasting for more than 24 hours. However, this sum is not paid for hospital stays caused by an illness falling within the scope of LAA, LAI or LAM com-pulsory care.

Insured capital Fr. 500.– Fr. 1'000.– Fr. 1'500.– Fr. 2'000.– Fr. 2'500.– Fr. 3'000.–

Hospita

My insurance for additional costs due to my hospitalisation

1 bed per room

Cover without duration limit, with free choice of doctor, in all Swiss official medical establishments (information at Assura SA prior to hospital admission)

Full cover for all Swiss official medical esta-blishments

Fr. 150.– per day, max. Fr. 1'500.– paid to the insuree who chooses the general ward of a public hospital. Fr. 50.– per day, max. Fr. 500.– if he chooses an establishment approved within the Optima Varia and Optima Plus Varia categories.

Fr. 1'000.– per year.

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

For foreign stays, max. 45 consecutive days: organisation of care, ambulance transport, repatriation, advance on expenses, search and rescue up to Fr. 10'000.–, visit by a close member of family, administrative assistance etc. Emergency number available 24h/24 0041 (0) 21 721 44 88. Cover according to the tariff applied in Switzerland. Possibility of covering the amount in excess of the Swiss tariff and of extending the period of cover with Mondia.

Types of accomodation

Treatments and hospital stays

Treatments and stays in an establishment not recognised by Assura SA

Allowance for stays in a ward of a lower category

Special care

Treatments and stays abroad

Emergencies abroad

Special benefits

Hospitalisation insurances

Ultra Varia Priveco Varia

Optima Varia

Priveco Plus Varia

Optima Plus Varia

2 beds per room | 1 bed per room

Cover without duration limit in the establish-ments listed by the cantons (information at Assura SA prior to hospital admission).

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

2 beds per room | 1 bed per room

Cover without duration limit, with free choice of doctor, in the establishments approved by Assura SA (information at Assura SA prior to hospital admission)

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

Fr. 500.– per year. | Fr. 1'000.– per year

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

Hospitalisation

This document is addressed to our English speaking clientele with the purpose to facilitate access to our insurance products. It is of a strictly informa-tive nature. Please note that Assura provides its services in French, German and Italian, but not in English.

Legal obligations as well as the extent of benefits provided by Assura are determined exclusively on the basis of the general insurance conditions (CGA). These are available in French, German or Italian.

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www.assura.ch

470

0* V

ue d

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atio

ns -

JH

D (D

IR) -

ST

(MK

R) /

FS

E (M

RK

) - m

ai 1

3

Important information DiscountsDiscount for methods of payment

2% for annual payment1% for half-yearly payment

Discount for minors

20% on complementary insurancefor minors if at least 2 people in thesame family are insured with Assura SA (except for Previsia categories).

Combination discount

Discounts are granted when sub-scribing to Complementa Extra, and at least one of the following complementary categories:

NaturaDenta PlusMondiaPriveco VariaPriveco Plus VariaOptima VariaOptima Plus VariaUltra VariaHospita

If the Medna category is taken out together with the Natura catego-ry, a discount of up to 50% of the Medna premium is granted.

Combination discounts are grantedas long as the categories concernedare in force and covered by a singlepolicy (one contract only).

0842 277 872 (0842 ASSURA) Max Fr. 0.08/min

Reimbursement

In health insurance, there are two different systems for the forwarding and payment of medical expenses.- The direct settlement system: The bill is sent directly to the insurer who

pays the health care provider. If the annual deductible has not been reached, the insured person reimburses the insurer.

- The "third party” guarantee system: The patient pays the health-care pro-vider and then requests the reimbursement from the insurer.

Limiting administrative costs

As the amount of the bills is often lower than the amount of the annual deductible, we have chosen the “third party” guarantee system for the reim-bursement of medication. This system allows you as an informed policy hol-der to carry out the first control of costs and avoid the purchase of medica-tion which will eventually not be used. Moreover, by grouping your bills and only sending them when the amount of the annual deductible has been exceeded, you are actively participating in the reduction of administrative costs.

Cost-sharing

In addition to the annual deductible, the insured person assumes a 10% retention fee, up to a maximum of Fr. 700.– for an adult and Fr. 350.– for a child. A 20% retention fee may be charged for original pharmaceuticals when a generic equivalent exists. We therefore recommend the use of generics.

Limitations of the complementary insurance cover

We draw your particular attention to the limitations of cover as described in our general conditions for complementary insurance.

TermsThe terms “annual” or “per year” used in this document always refer to a calendar year.

Entry age

A Complementary insurance, its premium, after the age of 26, is calculated according to the age at the conclusion of the contract. It remains unchanged for the duration of the contract.

V Complementary insurance with transition to the upper age group at the attained age limit.

This document is subject to changes of insurance conditions. The legal stipulations as well as the general and special conditions of insurance determine the right to benefits.

Products overview

Compulsory health insuranceand complementary insurances

Join us!

Lump sum in the event of hospitalisation

The capital sum is paid once each year for hospital admission lasting for more than 24 hours. However, this sum is not paid for hospital stays caused by an illness falling within the scope of LAA, LAI or LAM com-pulsory care.

Insured capital Fr. 500.– Fr. 1'000.– Fr. 1'500.– Fr. 2'000.– Fr. 2'500.– Fr. 3'000.–

Hospita

My insurance for additional costs due to my hospitalisation

1 bed per room

Cover without duration limit, with free choice of doctor, in all Swiss official medical establishments (information at Assura SA prior to hospital admission)

Full cover for all Swiss official medical esta-blishments

Fr. 150.– per day, max. Fr. 1'500.– paid to the insuree who chooses the general ward of a public hospital. Fr. 50.– per day, max. Fr. 500.– if he chooses an establishment approved within the Optima Varia and Optima Plus Varia categories.

Fr. 1'000.– per year.

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

For foreign stays, max. 45 consecutive days: organisation of care, ambulance transport, repatriation, advance on expenses, search and rescue up to Fr. 10'000.–, visit by a close member of family, administrative assistance etc. Emergency number available 24h/24 0041 (0) 21 721 44 88. Cover according to the tariff applied in Switzerland. Possibility of covering the amount in excess of the Swiss tariff and of extending the period of cover with Mondia.

Types of accomodation

Treatments and hospital stays

Treatments and stays in an establishment not recognised by Assura SA

Allowance for stays in a ward of a lower category

Special care

Treatments and stays abroad

Emergencies abroad

Special benefits

Hospitalisation insurances

Ultra Varia Priveco Varia

Optima Varia

Priveco Plus Varia

Optima Plus Varia

2 beds per room | 1 bed per room

Cover without duration limit in the establish-ments listed by the cantons (information at Assura SA prior to hospital admission).

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

2 beds per room | 1 bed per room

Cover without duration limit, with free choice of doctor, in the establishments approved by Assura SA (information at Assura SA prior to hospital admission)

Treatment: | Treatment: Fr. 300.–/day | Fr. 300.–/day Stay: | Stay: Fr. 200.–/day | Fr. 300.–/day

Fr. 100.– per day, max. Fr. 1'000.–, paid to the insuree who chooses the general ward of a public hospital.

Fr. 500.– per year. | Fr. 1'000.– per year

By prior agreement of Assura SA, payment when the tariff abroad is inferior to that applied in the canton of residence.

Hospitalisation

This document is addressed to our English speaking clientele with the purpose to facilitate access to our insurance products. It is of a strictly informa-tive nature. Please note that Assura provides its services in French, German and Italian, but not in English.

Legal obligations as well as the extent of benefits provided by Assura are determined exclusively on the basis of the general insurance conditions (CGA). These are available in French, German or Italian.

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