innova supplementary insurance
Products, benefits and 2027 premiums at a glance
71'000
Insured persons
1996
Founded
—
Employees
Gümligen (Muri bei Bern)
Headquarters
About innova Versicherungen AG
innova Versicherungen AG, based in Gümligen (Muri bei Bern), is a pure supplementary insurance specialist (VVG). It emerged from a working group set up by the Bernese health insurer KUKO in 1993; innova Versicherungen AG was established as an independent company in 1996. In 2013 innova withdrew from basic insurance (KVG) and transferred around 38,000 people with basic insurance to the Visana Group in order to focus exclusively on supplementary health insurance. Through innova Holding AG, the company is wholly owned by the innova Foundation (Muri bei Bern) and is therefore not profit-oriented in the conventional sense. innova is regarded as the pioneer of Swiss non-smoker insurance (sanvita, since 1994) and of flexible hospital supplementary insurance (switch). In 2025, income from its insurance business amounted to around CHF 99 million, with an SST solvency ratio of 412 percent.
Pioneer of Swiss non-smoker supplementary insurance (sanvita, since 1994) Pure supplementary insurance specialist with high solvency (SST 412%, 2025)
Supplementary insurance from innova
7 supplementary insurance plans from innova with the 2027 monthly premium for the reference profile: canton of Zurich, age 37, male, with accident cover (where selectable).
| Product | Category | from CHF per month | Contract duration |
|---|---|---|---|
| plus eins | Outpatient | CHF 29.00 | 3 years |
| plus zwei | Outpatient | CHF 50.00 | 3 years |
| impensa4 variants | Hospital | CHF 2.50 | 3 years |
| impensa plus3 variants | Hospital | CHF 3.50 | 3 years |
| sanvita switch | Hospital | CHF 41.00 | 3 years |
| activa switch | Hospital | CHF 50.00 | 3 years |
| dentaKlasse 1–3 | Dental | CHF 22.00 | 3 years |
Benefits in detail
7supplementary insurance plans
Outpatient (2) Hospital (4) Dental (1)
Outpatient
Hospital
Dental
Prices apply to the canton of Zurich, born 1990, male, with accident cover, 3-year contract (where available). The actual premium may vary by your age, canton and insurance start date. Use our comparison calculator for your individual quote.
Strengths
- sanvita non-smoker discount: its own non-smoker line (sanvita) with significantly lower premiums than the smoker line (activa) — with identical benefits
- switch: flexible hospital supplementary insurance — decide between general, semi-private and private only when admitted to hospital, in return for a daily cost share (10 / 75 / 200 francs)
- plus eins and plus zwei: modular outpatient add-on packages (complementary medicine, medication, emergencies abroad, dental treatment until the completed 20th year of age, vision aids, fitness)
- denta: dental insurance with Klasse 1 (50% up to 1,000 francs), Klasse 2 (75% up to 1,500 francs) or Klasse 3 (75% up to 3,000 francs) per calendar year, also for illness-related treatment in the countries directly bordering Switzerland
- impensa (inpatient) and impensa plus (outpatient): daily hospital allowance insurance for you to use freely — also for emergencies abroad
- Pure supplementary insurer owned by a foundation — focus instead of group sales
Good to know
- No basic insurance (KVG) — innova offers supplementary insurance only
- The outpatient products plus eins/plus zwei and (according to innova.ch) the dental insurance denta can only be taken out in combination with an innova hospital supplementary insurance
- denta: no entitlement to benefits in the first six months, accident-related dental treatment is not insured (ZB denta sections 3.1 and 4.1)
- Cancelling the hospital supplementary insurance automatically ends the plus and impensa covers as well (AVB Art. 11.4)
- Contract term: through easyall you apply for innova supplementary insurance as a 3-year contract; the insurance can then only be cancelled after an uninterrupted insurance period of three years (AVB Art. 11 para. 1)
- Smaller, more focused customer base than the large Swiss health insurers
Compare innova supplementary insurance
Find supplementary insurance that fits your needs: free and non-binding.
Calculate premium nowFrequently asked questions about innova
Is innova a health insurer?
Not for basic insurance: innova withdrew from basic insurance (KVG) in 2013 and has offered only supplementary insurance since. Your basic insurance therefore stays with another health insurer. Through innova Holding AG, the company is wholly owned by the innova Foundation (Muri bei Bern).
What is the difference between sanvita and activa at innova?
sanvita is the line for non-smokers, activa the line for smokers. The insured benefits are identical — the smoker line activa contains no benefit exclusion for smoking-related illnesses. With sanvita, however, non-smokers benefit from noticeably lower premiums (non-smoker discount).
How does the flexible hospital supplementary insurance switch work?
With switch, you decide freely on your choice of doctor and hospital (a recognised hospital on the hospital list) and on the ward (general, semi-private or private) only when you are admitted to hospital. Depending on the comfort chosen, you pay a daily cost share of 10 (general), 75 (semi-private) or 200 francs (private) yourself; from the 31st day it no longer applies. This way you save on premiums without giving up comfort when it matters.
Which outpatient supplementary insurance plans does innova offer?
innova offers plus eins, plus zwei and, since 2026, plus drei; the comparison currently includes plus eins and plus zwei. plus eins covers, among other things, complementary medicine (75%, up to 1,500 francs), medication, preventive care/check-ups/vaccinations, transport and rescue costs, and dental treatment (incl. orthodontic treatment) until the completed 20th year of age. plus zwei extends plus eins with higher limits and benefits for vision aids, health promotion/fitness and medical aids. Both are only available in combination with an innova hospital supplementary insurance.
Does innova offer dental insurance?
Yes, the dental care insurance denta: Klasse 1 pays 50 percent of the costs of dental treatment up to 1,000 francs per calendar year, Klasse 2 75 percent up to 1,500 francs and Klasse 3 75 percent up to 3,000 francs. Illness-related treatment in Switzerland and in the countries directly bordering Switzerland is insured; accident-related dental treatment is not insured, and there is no entitlement to benefits in the first six months. According to innova.ch, denta is taken out together with an innova hospital supplementary insurance.
What are impensa and impensa plus?
impensa is a daily hospital allowance insurance for inpatient stays: it pays out the chosen daily allowance (50, 100, 150 or 200 francs) for up to 30 days per calendar year — for you to use freely. impensa plus is the counterpart for outpatient hospital treatment and pays a lump sum (500, 750 or 1,000 francs) for up to two procedures per year, including a medical second opinion.
How can I cancel my innova supplementary insurance?
Through easyall you apply for innova supplementary insurance as a 3-year contract: the insurance can then only be cancelled in writing after an uninterrupted insurance period of three years, with three months' notice to the end of a calendar year (AVB Art. 11 para. 1). Please note: if the hospital supplementary insurance is cancelled, the combined plus and impensa covers are automatically terminated as well under the supplementary conditions.
Compare other health insurers
As of November 2026 · All information without guarantee · Prices may vary by canton, age and gender