The Insurance certificate and Insurance policy document that you receive when signing up, and then each October when your new premiums are announced, gives you all the details of your coverage. The “Insurance certificate” section shows your compulsory health insurance model under the Federal Law on Health Insurance (LAMal/KVG). The “Insurance policy” section shows the supplemental coverage you have taken out under the Federal Law on Insurance Contracts (LCA/VVG). Each insurance mentioned on this document refers you to the corresponding general or specific terms and conditions of insurance. You will find the terms and conditions of insurance in your insurance records or on our website.