At TOPSTRETCHING® Zürich, we believe in making high-quality fitness accessible and affordable. That’s why we’ve partnered with major insurance providers across Switzerland to help you take advantage of substantial financial contributions toward your membership fees and wellness classes. With supplementary insurance, you can enjoy economic benefits that cover up to 90% of your fitness expenses, saving you as much as CHF 1,300 per year.
Supplementary insurance plans go beyond basic healthcare to support preventive wellness, offering significant savings on gym memberships and fitness programs. By choosing the right plan, you can ensure that staying healthy doesn’t strain your budget. Plus, the higher your insurance premiums, the greater your potential tax deductions, adding even more value to your investment in health. Our extensive partnerships make it easy to enjoy these benefits and prioritize your well-being affordably.
Here's a look at some of our top insurance partners and the maximum contributions they offer:
- SWICA is a leader when it comes to coverage, with plans that can reimburse up to CHF 1,300 annually on fitness and wellness.
- Sanitas provides an excellent option with coverage up to CHF 800 per year on wellness activities, giving substantial support to your fitness journey.
- Visana offers flexibility through their Wellness Checks, with contributions up to CHF 200 annually for fitness memberships, plus additional support for wellness classes.
- CSS has a solid plan with their Gesundheitskonto, offering up to CHF 800 per year, including a bonus that adds extra value for fitness and health promotion.
- Helsana rounds out the list with coverage that can reimburse up to CHF 800 for those with more comprehensive fitness needs, ensuring strong support for your wellness goals.
These providers are among the best in Switzerland for fitness reimbursements, helping you maximize your investment in health. With TOPSTRETCHING® and the right insurance plan, staying fit and healthy has never been more accessible or affordable.
List of the top 20 Insurance Companies Partnered with TOPSTRETCHING® for 2025
Here’s a detailed look at all our insurance partners and the wellness incentives they provide for TOPSTRETCHING® members. Depending on your supplementary insurance plan, you may be eligible for various levels of reimbursement.
1. Atupri
- Plans: Diversa, Mivita (Reala & Extensa)
- Benefits:
- Diversa: 50% reimbursement, max CHF 200 per category (fitness, health promotion) annually, up to CHF 500 total.
- Mivita (Reala): 50% up to CHF 200 per category per year, max CHF 500.
- Mivita (Extensa): 50% up to CHF 300 per category per year, max CHF 1000.
2. AXA
- Plans: Gesundheit ACTIF, Gesundheit COMPLET
- Benefits:
- ACTIF: 75% up to CHF 200 annually.
- COMPLET: 75% up to CHF 300 annually.
3. Concordia
- Plans: NATURA, NATURA Plus
- Benefits:
- NATURA: 50% up to CHF 200 per category annually, max CHF 500.
- NATURA Plus: 50% up to CHF 200 per category annually, max CHF 500.
4. CSS
- Plan: Gesundheitskonto
- Benefits:
- Up to CHF 700 per year (for fitness and health activities), with max CHF 800 in total.
- Bonus: Additional CHF 100 per year.
5. EGK
- Plan: EGK-SUN
- Benefits: CHF 360 max annually, reimbursed up to the membership cost.
6. Glarner Krankenversicherung
- Plans: ALLGEMEIN, FAMILY, FAMILY FLEX, PREMIUM
- Benefits:
- ALLGEMEIN: 50% up to CHF 150 annually.
- FAMILY FLEX: 50% up to CHF 200 per category annually, max CHF 500.
- PREMIUM: 50% up to CHF 300 per category annually, max CHF 600.
7. Groupe Mutuel
- Plans: GO, GX, GI, Global Solution, Classic with Bonus, SG, Global School
- Benefits:
- Up to CHF 200 annually for fitness.
- Pregnancy Courses: CHF 150 max.
8. Helsana
- Plans: SANA, COMPLETA, COMPLETA EXTRA, COMPLETA PLUS
- Benefits:
- SANA: 75% up to CHF 200 per category annually.
- COMPLETA EXTRA: Additional 60% coverage on amounts exceeding CHF 800.
- COMPLETA PLUS: Additional 75% coverage on amounts exceeding CHF 800.
9. KLG
- Plans: SANA, COMPLETA, COMPLETA EXTRA, COMPLETA PLUS
- Benefits: Same as Helsana (outlined above).
10. Birchmeier Krankenversicherung
- Plan: sanvita/activa plus
- Benefits: Coverage varies based on insurance variant, with up to 75% on certain plans.
11. KPT
- Plan: Fitness and Endurance with Hospital Insurance
- Benefits: CHF 200 max (up to CHF 400) annually for fitness and endurance activities.
12. ÖKK
- Plan: Contributions under Health Promotion Account
- Benefits: CHF 300 max per year, total CHF 600 for health promotion.
13. Rhenusana
- Plans: rhenPLUS Gold, rhenPLUS Platin, rhenPLUS Lifecycle
- Benefits:
- Gold: 75% up to CHF 200 per year.
- Platin: 75% up to CHF 400 per year.
- Lifecycle: 50% up to CHF 100 per year.
14. Sanitas
- Plans: VITAL SMART, VITAL PREMIUM, CLASSIC/FAMILY/JUMP, NATURA KOMFORT
- Benefits:
- VITAL SMART: 50% up to CHF 400–600 per year.
- VITAL PREMIUM: 80% up to CHF 800 per year.
15. Sodalis
- Plan: Additional coverage with SANA Plus and Private Supplement
- Benefits: 50% reimbursement, max CHF 200 per year.
16. SLKK
- Plans: SLKK-QualiCare.basis, SLKK-QualiCare.comfort
- Benefits:
- QualiCare.basis: 75% up to CHF 300 per year.
- QualiCare.comfort: 75% up to CHF 500 per year.
17. Sumiswalder
- Plans: Kombi allgemein, Kombi halbprivat, Kombi privat, Komplementär
- Benefits:
- Kombi allgemein: CHF 100 annually for fitness.
- Kombi halbprivat: CHF 200 annually.
- Kombi privat: CHF 300 annually.
- Komplementär: CHF 200 annually for recognized courses.
18. Sympany
- Plans: General Zusatzversicherung, PLUS, SALTO, PRIVATE PLUS, KOMBI Plus
- Benefits:
- PLUS: Up to CHF 200 annually.
- PRIVATE PLUS: Up to CHF 300 annually.
19. SWICA
- Plans: COMPLETA FORTE, COMPLETA PRAEVENTA, OPTIMA
- Benefits:
- COMPLETA FORTE: 90% of costs up to CHF 500 per year.
- COMPLETA PRAEVENTA: 50% up to CHF 500, CHF 300 for wellness.
- OPTIMA: 90% up to CHF 1300 per year.
20. Visana
- Plans: Wellness Checks (Fitness, Wellness, Fit & Fun)
- Benefits:
- Fitness Wellness-Check: Up to CHF 200 per year.
- Wellness Wellness-Check: CHF 100 for 15+ sessions.
- Fit & Fun Wellness-Check: CHF 50 for courses with at least six sessions.
Why Supplementary Insurance Matters
Supplementary insurance in Switzerland goes beyond what’s covered by mandatory KVG. It allows residents to access services that promote wellness, from fitness memberships to alternative treatments. Having supplementary insurance is valuable because:
1. Better Coverage for Wellness: While basic insurance covers treatments once you’re sick, supplementary insurance focuses on keeping you well through preventive care.
2. Tax Deductions: The higher the premium you pay for health insurance, the more you can potentially deduct on your taxes, helping to reduce your overall tax burden.
3. Incentives and Rebates: Many insurers offer rebates on fitness and wellness programs, allowing you to prioritize health at a reduced cost.
How Premiums and Tax Deductions Work
In Switzerland, health insurance premiums vary based on the insurer and the level of coverage. Generally, higher premiums lead to greater benefits and can also result in higher tax deductions. This is because the Swiss tax system allows individuals to deduct part of their health insurance premiums, making it financially beneficial to invest in comprehensive coverage. By choosing a plan that covers fitness and wellness, you can save on both gym memberships and taxes.
Getting Started with TOPSTRETCHING® and Insurance Benefits
Through these partnerships, TOPSTRETCHING® members can receive significant reimbursements on membership fees and wellness services. For details, contact your insurance provider to verify your eligibility and maximize these benefits.
Q&A: Understanding TOPSTRETCHING®’s Insurance Partnerships for Fitness and Wellness Coverage
Why do I need supplementary insurance if I already have basic health insurance in Switzerland?
Basic health insurance (KVG) in Switzerland covers essential healthcare needs like doctor visits and hospital stays, but it does not cover wellness and fitness services. Supplementary insurance (VVG) provides additional benefits for preventive health measures, like gym memberships and wellness programs, allowing you to maintain a healthy lifestyle and address wellness needs that aren’t covered by basic insurance.
How does supplementary insurance benefit my fitness routine at TOPSTRETCHING®?
Supplementary insurance plans often include reimbursements or discounts on gym memberships and fitness classes. With TOPSTRETCHING®'s partnerships with major insurance providers, you can receive partial or full reimbursements on membership fees through these plans, making it more affordable to pursue your wellness goals.
Which insurance companies does TOPSTRETCHING® partner with, and what benefits do they offer?
TOPSTRETCHING® partners with a wide range of insurers. Here are a few examples:
- Atupri: Offers up to 50% reimbursement, with maximum limits between CHF 500 and CHF 1000, depending on the plan.
- AXA: Provides 75% coverage on fitness expenses, up to CHF 200–300 per year.
- Sanitas: Covers 50-80% of wellness expenses, with benefits up to CHF 800 annually.
Please refer to the full list of partner insurance companies in the article for details on each provider's incentives.
How does having a higher insurance premium impact my taxes?
In Switzerland, health insurance premiums are partially tax-deductible. Higher premiums generally mean you can claim a larger deduction on your taxes, reducing your overall tax liability. This makes investing in comprehensive supplementary insurance financially advantageous, as it not only provides better wellness coverage but can also lower your tax burden.
What documents do I need to submit to my insurance company to receive reimbursement?
Typically, you’ll need to submit proof of membership, such as receipts or invoices, along with any forms required by your insurance provider. Some insurers may also require a confirmation of attendance at fitness classes or an official certificate from TOPSTRETCHING® as a recognized wellness provider.
Can I get reimbursed for wellness classes and workshops at TOPSTRETCHING®?
Yes, many insurance providers offer reimbursements for wellness-related classes, including fitness and preventive health courses. However, the specific amount and eligibility depend on your supplementary insurance plan. For instance, Visana offers a "Wellness-Check" that provides CHF 100 for courses with more than 15 sessions, and Sanitas covers up to CHF 800 per year for fitness activities.
Are there any limits on how much I can be reimbursed per year?
Yes, most insurance providers have annual limits on reimbursements for wellness and fitness expenses. For example:
- CSS offers up to CHF 700 per year for health promotion activities.
- SWICA provides up to CHF 1300 annually for wellness services.
Check with your insurance provider to understand the maximum benefits available under your plan.
Is it possible to combine benefits from different insurance plans?
Generally, insurance benefits are specific to each supplementary plan, and most insurers don’t allow combining benefits from multiple plans within the same company. However, if you have policies with different insurers, you may be able to maximize your coverage by using benefits from each policy independently. Be sure to confirm the details with your insurance providers.
How can I find out if my insurance plan qualifies for TOPSTRETCHING®'s wellness benefits?
Contact your insurance provider to verify if your supplementary insurance plan qualifies for fitness and wellness benefits with TOPSTRETCHING®. You can also check our list of partner insurance companies in the article above for an overview of which plans offer wellness reimbursements.
If I upgrade my insurance plan to include more wellness benefits, will that increase my reimbursement amount?
Yes, upgrading to a higher-tier supplementary insurance plan often increases the wellness benefits available to you. Higher-tier plans typically offer greater coverage for fitness and wellness services, making it easier to access these benefits. Additionally, the higher premiums may result in a larger tax deduction.
Where can I get more information on TOPSTRETCHING®’s insurance partnerships?
For more details, you can reach out directly to TOPSTRETCHING® or consult with your insurance provider. They can provide specific information on eligibility, submission requirements, and reimbursement amounts to help you maximize your wellness benefits.