ÖKK supplementary insurance and your preventive check-up

ÖKK doesn’t reimburse preventive check-ups today. Check your own package in two minutes, and see which Swiss insurers do.

1Select insurer

2Select plan

3Select check-up

Your journey to preventive healthcare gets easier from here

Get a personalized estimate

Submit your details to receive a clear estimate of your ÖKK coverage.

Book your check-up

Pick a time and location that suit you to schedule your preventive check-up.

Receive your health report

Complete your check-up to get a detailed report along with your invoice.

Submit your invoice

Send the invoice to ÖKK to be reimbursed for what’s covered.

ÖKK’s supplementary packages

What each package pays back towards a preventive check-up. Reimbursement always depends on your individual policy, so use the checker above to see your own figure.

ÖKK START

ÖKK START is the foundation module: it closes the immediate gaps in basic insurance and is the base every other ÖKK supplementary plan builds on. NATURE and PREVENTION can only be taken out on top of it.

ÖKK NATURE

ÖKK NATURE covers alternative and complementary medicine, including acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy delivered by doctors with the relevant training, along with glasses and contact lenses. It requires START.

ÖKK PREVENTION

ÖKK PREVENTION is the prevention module: it pays the bulk of the cost of preventive examinations in a year where basic insurance hasn’t already covered one, across family, nutrition, movement and general prevention. It requires START.

Real-world examples

CSS

MRI and blood tests up to 50%, capped at CHF 1'000 per calendar year, depending on plan.

Learn more about CSS coverage

KPT Pulse

MRI up to CHF 1'500 per calendar year, depending on plan. Blood tests at 75%, up to CHF 4'000 per calendar year.

Learn more about KPT coverage

Visana

MRI and blood tests up to 90%, capped at CHF 600 per calendar year, depending on plan.

Learn more about Visana coverage

Atupri (Mivita)

MRI and blood tests up to 90%, capped at CHF 500 per calendar year, depending on plan.

Learn more about Atupri coverage

AXA

MRI up to 75%, capped at CHF 500 per calendar year. Blood tests up to 75%, capped at CHF 1'000 per three calendar years. Caps vary by plan.

Learn more about AXA coverage

Groupe Mutuel

Up to 90% with prior approval. Request a pro forma to confirm the exact amount with Groupe Mutuel first.

Learn more about Groupe Mutuel coverage

SWICA

Imaging reimbursed per exam: heart CT calcium score CHF 470, breast MRI CHF 800, DEXA scan CHF 100. Full-body MRI is not covered. Blood tests up to CHF 150 per calendar year, including as part of a full-body check-up.

Learn more about SWICA coverage

EGK-SUN

CHF 200 each towards Advanced MRI, Pro MRI and blood tests, per calendar year. Core MRI is not covered.

Learn more about EGK coverage

Have a different insurance plan?
Your case may still qualify for reimbursement.

Frequently asked questions

Many Swiss supplementary insurers cover part or all of the blood panel: KPT, AXA, CSS, Visana, Atupri, SWICA, Groupe Mutuel and EGK. For MRI, coverage is generally more limited. KPT goes furthest, with up to CHF 1'500 per calendar year. AXA, CSS, Visana and Atupri also cover preventive MRI, while SWICA and Groupe Mutuel cover it only partly. Coverage depends on your specific plan. Use our coverage checker to check your individual coverage instantly. You can also request a pro-forma invoice there to pass on to your insurer if needed.

Ahead is collaborating with KPT, which reimburses up to CHF 1'500 of the scan under the KPT Pulse Top or Premium supplementary insurance plans.

Generally, mandatory basic health insurance (KVG/LaMal) in Switzerland does not cover the cost of Ahead's full-body preventive scans.

However, some supplementary health insurances ("Zusatzversicherungen" / "assurances complémentaires") may cover a portion of the costs. The extent of coverage is specific to your insurance provider and your particular plan.

We highly recommend contacting your insurance company before your scan to clarify potential reimbursement.

Ahead Health can provide you with a template letter or a pro-forma invoice to assist with your inquiry.

Next to KPT, based on customer experiences, potential partial coverage has been noted with plans from:

Sanitas
CSS
Sympany

Also, this is highly dependent on the specific supplementary plan. Some insurers, like Helsana, SWICA, Groupe Mutuel may not cover the check-up under their supplementary plans.

Please check with your insurance if the blood tests are covered separately to the MRI, some may cover partial costs of the blood test.

To check your individual coverage and request a pro forma invoice to share with your insurer, visit our insurance page.

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