Pulse Eco, Top and Premium

Supplementary outpatient insurance

Outpatient insurance covers costs that are either not assumed or only partly assumed by basic health insurance. These include costs for glasses and contributions towards a fitness membership or health checks, for example.

Calculate premiums

The monthly premium depends on age, place of residence and gender. Calculate your premium for 2026 and take out the insurance online in the next step.

Supplementary outpatient insurance in a nutshell

Pulse supplementary outpatient insurance helps you stay fit and in good physical and mental health. It pays contributions towards:

Keeping fit:
sports, fitness and well-being
Improving your vision:
glasses, contact lenses and laser vision correction
Health monitoring:
health screenings and check-ups
Health maintenance:
alternative treatments and massages
Protection and remedies:
medication and vaccinations
Women’s health:
gynaecological examinations
Maternity services:
breastfeeding counselling and antenatal classes
Medical treatment:
outpatient and emergency treatment

You can also combine supplementary outpatient insurance with private or semi-private supplementary hospital insurance for comprehensive protection.

Compare and take out

Scope of benefits

Pulse Eco

Receive payments towards vaccinations, medical aids and emergency transport, for example. The plus factor: up to CHF 1,000 per year for digital psychological services.

Save 6.7% on your premium with a 3-year contract.

Calculate premium

Scope of benefits

Pulse Top

Receive payments towards glasses, contact lenses and medical aids, for example. The plus factor: up to CHF 2,000 per year for complementary medicine and medical screening.

Save 6.7% on your premium with a 3-year contract.

Calculate premium

Scope of benefits

Pulse Premium

Receive payments towards sport and fitness, massages and laser vision correction, for example. The plus factor: up to CHF 4,000 per year for complementary medicine and medical screening.

Save 6.7% on your premium with a 3-year contract.

Calculate premium

Useful documents

General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Special conditions for Pulse Eco supplementary outpatient insurance (PDF)Special conditions for Pulse Top supplementary outpatient insurance (PDF)List of complementary therapies covered by Pulse Top and Premium supplementary outpatient insurance (PDF)List of health screening and diagnostic services covered by Pulse Top and Premium supplementary outpatient insurance (PDF)List of health promotion services covered by Pulse Eco, Top and Premium supplementary outpatient insurance (PDF)List of digital psychotherapy support services covered by Pulse Eco, Top and Premium supplementary outpatient insurance (PDF)List of medications not covered by Pulse Eco, Top and Premium supplementary outpatient insurance (PDF)Special conditions for Pulse Premium supplementary outpatient insurance (PDF)

Frequently asked questions

Who needs supplementary outpatient insurance?

Basic health insurance in Switzerland does not cover everything.

For example:

Glasses and contact lenses are usually paid by you.
Treatments such as acupuncture, homeopathy, phytotherapy, traditional Chinese medicine and anthroposophic medicine are only covered by basic health insurance if offered by a qualified doctor. Other alternative treatments are not covered.
Basic health insurance does not cover stress tests, medical massages or check-ups.

When is outpatient insurance recommended?

If you are looking for more cover than you receive with basic health insurance.
If you would like to focus more on your mental health, preventive health care and sport.
If you would like to protect your budget from unexpected costs.

Up to what date can I cancel my outpatient insurance?

Cancel supplementary insurance by 30 September
You can cancel supplementary dental insurance in writing with effect as of 31 December. A 3-month notice period applies. Your cancellation notice must reach us by no later than 30 September.

Cancel supplementary insurance by 30 November
If KPT increases your premium or modifies the benefits available, you can cancel the supplementary dental insurance policies affected in writing with effect as of 31 December. In this case, a 1-month notice period applies. Your cancellation notice must reach us by no later than 30 November.

Important:
For the full termination regulations, please see the general insurance conditions for supplementary insurance.

Which benefit class should I choose?

The most suitable supplementary insurance with outpatient coverage will depend on your individual needs and financial circumstances.

Pulse Premium offers the highest level of cover, providing contributions towards sport, preventive health care and overall well-being.
Pulse Top is more affordable while still offering excellent protection.
Pulse Eco is a pared-down option but that costs even less and is still a useful add-on to basic health insurance.

How does Pulse supplementary outpatient insurance benefit my health?

Pulse is there to help you stay fit and healthy.

With Pulse Premium, you receive up to CHF 600 for sport and fitness. It is ideal for helping you reach your health goals even faster.

Pulse covers if you should fall ill.

In the highest class, Pulse Premium, KPT pays up to CHF 4,000 for important health screenings. This ensures that any issues are discovered at an early stage. Care is a recognised provider of whole-body MRI scans and blood tests.

Pulse supports your mental health.

KPT covers up to CHF 1,000 for online support with psychological issues.

Contact us for advice

Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.

Outpatient benefits

	Eco	Top	Premium
	90% up to CHF 50,000 per calendar year	90% up to CHF 50,000 per calendar year	90% up to CHF 50,000 per calendar year
Vaccinations against infectious diseases	Vaccinations against infectious diseases 100% up to CHF 200 per calendar year	Vaccinations against infectious diseases 100% up to CHF 400 per calendar year	Vaccinations against infectious diseases 100% up to CHF 800 per calendar year
	Not covered	75% up to CHF 300 per pregnancy	75% up to CHF 450 per pregnancy
	Full coverage for emergency transport in Switzerland	Full coverage for emergency transport in Switzerland	Full coverage for emergency transport in Switzerland
	abroad for up to 8 weeks per calendar year	abroad for up to 8 weeks per calendar year	abroad for up to 8 weeks per calendar year
	Not included	75% of up to CHF 2,000 per calendar year	75% of up to CHF 4,000 per calendar year
Complementary medicines	Complementary medicines Not included	Complementary medicines 75% up to CHF 250 per calendar year for	Complementary medicines 75% up to CHF 500 per calendar year
	100% of additional costs	100% of additional costs	100% of additional costs
	75% up to CHF 1,000 per calendar year	75% up to CHF 1,000 per calendar year	75% up to CHF 1,000 per calendar year
	Up to CHF 50 per calendar year	Up to CHF 200 per calendar year	Up to CHF 600 per calendar year, max. CHF 300 per category
	Not covered	75% up to CHF 2,000 per calendar year of	75% up to CHF 4,000 per calendar year
	Not covered	75% up to CHF 250 per calendar year	75% up to CHF 650 per calendar year
Legal expenses cover in health matters	Legal expenses cover in health matters Legal protection up to CHF 300,000	Legal expenses cover in health matters Legal protection up to CHF 300,000	Legal expenses cover in health matters Legal protection up to CHF 300,000
	Not covered	Up to CHF 250 every 3 calendar years, excluding laser vision correction	Up to CHF 500 every 3 calendar years, up to CHF 600 per eye for (one-off) laser vision correction -
Vasectomy/sterilisation	Vasectomy/sterilisation Not covered	Vasectomy/sterilisation Not covered	Vasectomy/sterilisation 75% up to CHF 2,000 (one-off)
	Up to CHF 150 per calendar year -	Up to CHF 300 per calendar year -	Up to CHF 600 per calendar year -

This overview is based on the legal principles established by the HIA and IPA, in particular, and the currently applicable insurance conditions of KPT. All claims are assessed exclusively on the basis of the legal principles and insurance conditions of KPT.

For more information, see kpt.ch/insurance-conditions

90% up to CHF 50,000 per calendar year

Vaccinations against infectious diseases

100% up to CHF 200 per calendar year

Vaccinations against infectious diseases

100% up to CHF 400 per calendar year

Vaccinations against infectious diseases

100% up to CHF 800 per calendar year

Not covered

75% up to CHF 300 per pregnancy

75% up to CHF 450 per pregnancy

Full coverage for emergency transport in Switzerland

abroad for up to 8 weeks per calendar year

Not included

75% of up to CHF 2,000 per calendar year

75% of up to CHF 4,000 per calendar year

Complementary medicines

Not included

Complementary medicines

75% up to CHF 250 per calendar year for

Complementary medicines

75% up to CHF 500 per calendar year

100% of additional costs

75% up to CHF 1,000 per calendar year

Up to CHF 50 per calendar year

Up to CHF 200 per calendar year

Up to CHF 600 per calendar year, max. CHF 300 per category

Not covered

75% up to CHF 2,000 per calendar year of

75% up to CHF 4,000 per calendar year

Not covered

75% up to CHF 250 per calendar year

75% up to CHF 650 per calendar year

Legal expenses cover in health matters

Legal protection up to CHF 300,000

Legal expenses cover in health matters

Legal protection up to CHF 300,000

Legal expenses cover in health matters

Legal protection up to CHF 300,000

Not covered

Up to CHF 250 every 3 calendar years, excluding laser vision correction

Up to CHF 500 every 3 calendar years, up to CHF 600 per eye for (one-off) laser vision correction -

Vasectomy/sterilisation

Not covered

Vasectomy/sterilisation

Not covered

Vasectomy/sterilisation

75% up to CHF 2,000 (one-off)

Up to CHF 150 per calendar year -

Up to CHF 300 per calendar year -

Up to CHF 600 per calendar year -