Key points at a glance
This page explains to residents of Grub how supplementary insurance (LCA/VVG) works — the optional top-up to basic insurance for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses, maternity or prevention.
In Grub (postal code 9035), a municipality of roughly 1’008 residents in the canton of Appenzell Ausserrhoden, one rule stands out: unlike basic insurance, supplementary cover is a FREE market. Benefits, prices and conditions vary widely from one insurer to the next. Compare according to your actual needs — and sign up while young and healthy, because the insurer is allowed to ask health questions. Commuting between Grub and a nearby municipality (Heiden (2 km), Rorschacherberg (2 km), Rehetobel (3 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Grub at a glance: your local context
Grub, a municipality of roughly 1’008 residents in the canton of Appenzell Ausserrhoden, brings its own local context to "Complementary medicine cover". Grub lies in premium region 0 of the canton of Appenzell Ausserrhoden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’008
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9035
- Federal municipality number (BFS): 3031
Complementary medicine cover around Grub: compare neighbouring municipalities
Around Grub, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Complementary medicine cover in Heiden — 1.8 km away
- Complementary medicine cover in Rorschacherberg — 2.2 km away
- Complementary medicine cover in Rehetobel — 3.1 km away
- Complementary medicine cover in Wolfhalden — 3.2 km away
- Complementary medicine cover in Eggersriet — 3.2 km away
- Complementary medicine cover in Rorschach — 3.6 km away
- Complementary medicine cover in Wald — 3.9 km away
- Complementary medicine cover in Oberegg — 4.4 km away
- Complementary medicine cover in Thal — 4.8 km away
- Complementary medicine cover in Untereggen — 4.9 km away
Supplementary insurance (LCA) in Grub: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Grub — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
Two things to know: supplementary insurance is optional and can be taken out or cancelled independently of basic insurance. And the insurer may — unlike under the LAMal — ask health questions, add exclusions or reject an application. So sign up while young and healthy, and answer the health questions truthfully (otherwise you risk losing benefits).
Check before you sign
- Your real priorities: hospital, dental, complementary medicine, glasses, maternity?
- Annual limits, waiting periods and exclusions of each benefit.
- Avoid double cover (e.g. with employer or credit-card benefits).
- How the premium develops with age, and the cancellation terms.
Compare supplementary insurance for Grub →
How we work for Grub
Our approach for "Complementary medicine cover" in Grub: (1) list your contracts and deadlines in the canton of Appenzell Ausserrhoden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Grub (practical guidance, not legal advice)
Is "Complementary medicine cover" also covered for the area around Grub?
Yes. The neighbouring municipalities of Grub, such as Heiden (2 km), Rorschacherberg (2 km), each have their own page on "Complementary medicine cover" — handy when you compare several places to live in the canton of Appenzell Ausserrhoden or a move is coming up.
Does this page replace personal advice in Grub?
No, it is for orientation in Grub. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Appenzell Ausserrhoden.
Can I compare "Complementary medicine cover" in Grub with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Grub follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.