Key points at a glance
This page explains to residents of Schwellbrunn 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 Schwellbrunn (postal code 9103), a municipality of roughly 1’573 residents in the canton of Appenzell Ausserrhoden, a close look pays off: supplementary insurance falls under the LCA and is a free market — each insurer sets its own benefits, premiums and conditions. What matters is comparing by real need rather than by the lowest price; and because health questions are allowed, the rule is: sign up early and in good health. Commuting between Schwellbrunn and a nearby municipality (Waldstatt (3 km), Schönengrund (3 km), Degersheim (4 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Schwellbrunn at a glance: your local context
Schwellbrunn, a municipality of roughly 1’573 residents in the canton of Appenzell Ausserrhoden, brings its own local context to "Maternity and birth (supplementary insurance)". Schwellbrunn 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 1’573
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9103
- Federal municipality number (BFS): 3004
Maternity and birth (supplementary insurance) around Schwellbrunn: compare neighbouring municipalities
Around Schwellbrunn, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Maternity and birth (supplementary insurance) in Waldstatt — 2.8 km away
- Maternity and birth (supplementary insurance) in Schönengrund — 3.3 km away
- Maternity and birth (supplementary insurance) in Degersheim — 4.0 km away
- Maternity and birth (supplementary insurance) in Herisau — 4.3 km away
- Maternity and birth (supplementary insurance) in Urnäsch — 4.7 km away
- Maternity and birth (supplementary insurance) in Hundwil — 5.5 km away
- Maternity and birth (supplementary insurance) in Flawil — 7.0 km away
- Maternity and birth (supplementary insurance) in Gossau — 7.1 km away
- Maternity and birth (supplementary insurance) in Stein — 7.6 km away
- Maternity and birth (supplementary insurance) in Gonten — 7.8 km away
Supplementary insurance (LCA) in Schwellbrunn: 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 Schwellbrunn — 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 Schwellbrunn →
How we work for Schwellbrunn
For "Maternity and birth (supplementary insurance)" in Schwellbrunn 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 Schwellbrunn (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Schwellbrunn?
Yes. The neighbouring municipalities of Schwellbrunn, such as Waldstatt (3 km), Schönengrund (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 Schwellbrunn?
No, it is for orientation in Schwellbrunn. 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 "Maternity and birth (supplementary insurance)" in Schwellbrunn with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Schwellbrunn follow. The comparison is free, and no offer is binding.
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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.