Key points at a glance
This page explains to residents of Hundwil 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 Hundwil (postal code 9064), a municipality of roughly 940 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 Hundwil and a nearby municipality (Stein (2 km), Waldstatt (3 km), Herisau (4 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Hundwil at a glance: your local context
Hundwil, a municipality of roughly 940 residents in the canton of Appenzell Ausserrhoden, brings its own local context to "Maternity and birth (supplementary insurance)". For health insurance premiums, Hundwil belongs to FOPH premium region 0 of the canton of Appenzell Ausserrhoden. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 940
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9064
- Federal municipality number (BFS): 3002
Maternity and birth (supplementary insurance) around Hundwil: compare neighbouring municipalities
Living or working near Hundwil? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Maternity and birth (supplementary insurance) in Stein — 2.1 km away
- Maternity and birth (supplementary insurance) in Waldstatt — 2.7 km away
- Maternity and birth (supplementary insurance) in Herisau — 3.8 km away
- Maternity and birth (supplementary insurance) in Gonten — 4.6 km away
- Maternity and birth (supplementary insurance) in Schwellbrunn — 5.5 km away
- Maternity and birth (supplementary insurance) in Urnäsch — 5.8 km away
- Maternity and birth (supplementary insurance) in Schlatt-Haslen — 5.9 km away
- Maternity and birth (supplementary insurance) in Teufen — 6.0 km away
- Maternity and birth (supplementary insurance) in Gaiserwald — 7.3 km away
- Maternity and birth (supplementary insurance) in Bühler — 7.7 km away
Supplementary insurance (LCA) in Hundwil: what matters
With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Hundwil, two equally priced contracts can protect you completely differently — for example the hospital ward (private or semi-private), the dentist, complementary medicine, vision aids or maternity. The right yardstick is your real need, cover by cover.
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 Hundwil →
How we work for Hundwil
For "Maternity and birth (supplementary insurance)" in Hundwil we work in three stages: an inventory of your contracts and dates (canton of Appenzell Ausserrhoden); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.
FAQ — insurance in Hundwil (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Hundwil?
Yes. The neighbouring municipalities of Hundwil, such as Stein (2 km), Waldstatt (3 km), each have their own page on "Maternity and birth (supplementary insurance)" — 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 Hundwil?
No. It explains the insurance and tax concepts for residents of Hundwil (canton of Appenzell Ausserrhoden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Maternity and birth (supplementary insurance)" in Hundwil with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Hundwil follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.