Glasses are an expensive business. Compulsory basic health insurance only covers a proportion of the cost of glasses and contact lenses, and only under certain conditions. It may therefore be a good idea to take out supplemental insurance.
- When does basic insurance cover glasses and contact lenses?
- When is it worth taking out supplemental glasses insurance?
- How much does supplemental glasses insurance cost and what does it pay out?
- What should I bear in mind before taking out supplemental glasses insurance?
- Is it worth taking out supplemental glasses insurance for children?
Although defective vision is a health issue, visual aids are only covered by basic health insurance in exceptional cases. Comparis answers the most important questions on supplemental glasses insurance.
When does basic insurance cover glasses and contact lenses?
Basic insurance no longer pays contributions towards glasses and contact lenses. However, there are a few exceptions: if the sight problem is caused by an underlying medical condition such as diabetes, cataracts, eye muscle disorders, amblyopia, medication use or eye operations (e.g. for glaucoma), basic insurance covers the cost at the approved inpatient or outpatient rate in each case. Basic insurance also pays a contribution towards corrective eyewear for children under the age of 18 – under certain conditions.
When is it worth taking out supplemental glasses insurance?
In order to benefit from a contribution to corrective eyewear, you need to take out a supplemental insurance policy. Such a policy pays a contribution not just towards glasses and contact lenses, but often towards frames and laser eye treatment as well. Some cover for corrective sunglasses or the purchase of eyewear abroad or online is frequently also included – as long as you can provide a receipt.
Note that there is no such thing as a supplemental insurance plan solely for glasses and contact lenses. Insurers only offer this special cover as part of a package that includes other benefits like gym membership, alternative medicine and antenatal classes. If you are looking for a broad range of cover, you may well appreciate the generous slew of benefits that comes with these supplemental insurance packages – while also receiving a contribution towards a new pair of specs.
How much does supplemental glasses insurance cost and what does it pay out?
Supplemental insurance plans that include corrective eyewear cover are available from as little as ten francs per month. It is advisable to compare the deals offered by different insurers.
If you are only interested in eyewear benefits, these plans are not usually worth taking out, as the annual cover is generally limited to 150 to 200 francs, and you would be paying at least 120 francs in premiums.
What should I bear in mind before taking out supplemental glasses insurance?
Consider the following tips before taking out supplemental glasses insurance:
Tip 1: Check the overall package
Check what else the package includes along with cover for eyewear. Does this package offer a combination of benefits that will be of use to you?
Tip 2: Check the maximum contribution
Make sure you know how much the insurer will pay out (usually around 150 francs): will this annual contribution be enough for your needs?
Tip 3: Consider the length of the policy
Supplemental insurance policies can have a term of up to 5 years. Are you happy to tie yourself into a long-term policy, or would you prefer to retain some flexibility?
Tip 4: Compare premiums and benefits
It's a good idea to compare. You should always compare the premiums and cover offered by the different insurance companies to avoid paying over the odds.
Tip 5: Don't forget the health questionnaire
Unlike with basic insurance, health insurers can turn down your application for supplemental insurance on the basis of the state of your health. Therefore, the earlier you arrange your supplemental insurance, the better your chances of being accepted.
Tip 6: Separate basic and supplemental insurance
Is it worth taking out supplemental glasses insurance for children?
Find out in the Comparis article: Children's glasses: how much is covered by health insurance?