Key points at a glance
This is about supplementary insurance (LCA) for Lovatens: the optional cover that goes beyond basic insurance — for example the private or semi-private hospital ward, dental costs, complementary medicine, vision aids, maternity and preventive care.
In Lovatens (postal code 1682), a municipality of roughly 146 residents in the canton of Vaud, 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 Lovatens and a nearby municipality (Curtilles (2 km), Prévonloup (2 km), Billens-Hennens (3 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Lovatens at a glance: your local context
Lovatens, a municipality of roughly 146 residents in the canton of Vaud, brings its own local context to "Maternity and birth (supplementary insurance)". For health insurance premiums, Lovatens belongs to FOPH premium region 1 of the canton of Vaud. 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 146
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1682
- Federal municipality number (BFS): 5674
Maternity and birth (supplementary insurance) around Lovatens: compare neighbouring municipalities
Around Lovatens, 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 Curtilles — 2.2 km away
- Maternity and birth (supplementary insurance) in Prévonloup — 2.2 km away
- Maternity and birth (supplementary insurance) in Billens-Hennens — 2.5 km away
- Maternity and birth (supplementary insurance) in Dompierre — 3.3 km away
- Maternity and birth (supplementary insurance) in Lucens — 3.6 km away
- Maternity and birth (supplementary insurance) in Bussy-sur-Moudon — 3.8 km away
- Maternity and birth (supplementary insurance) in Siviriez — 3.9 km away
- Maternity and birth (supplementary insurance) in Romont — 4.3 km away
- Maternity and birth (supplementary insurance) in Morlens — 4.5 km away
- Maternity and birth (supplementary insurance) in Mézières — 4.5 km away
Supplementary insurance (LCA) in Lovatens: what matters
With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Lovatens, 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 Lovatens →
How we work for Lovatens
For "Maternity and birth (supplementary insurance)" in Lovatens we work in three stages: an inventory of your contracts and dates (canton of Vaud); 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 Lovatens (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Lovatens?
Yes. The neighbouring municipalities of Lovatens, such as Curtilles (2 km), Prévonloup (2 km), each have their own page on "Maternity and birth (supplementary insurance)" — handy when you compare several places to live in the canton of Vaud or a move is coming up.
Does this page replace personal advice in Lovatens?
No, it is for orientation in Lovatens. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Vaud.
Can I compare "Maternity and birth (supplementary insurance)" in Lovatens with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Lovatens 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.