Question on Complementary Insurance - is there a loophole?
I have the mandatory insurance with the highest franchise (2500 pa) and I'm now searching for complementary insurance as I heard they cover things as preventive care (e.g. annual gyno check up), vaccinations and a few others.
I got an offer from my health insurance and I'm surprised to see that complementary insurance covers "outpatient treatment / classical medicine" outside my canton of residence or work, by 90%.
As I understand, if I go to the doctor in Zurich (where I live), I'll pay out of my pocket until I spend 2500 per year. However, if I go to the doctor in Argau (where i dont live or work), my insurance pays 90% and I pay 10%. Is this correct? If yes, could I freely chose to attend a doctor in another canton?
I feel I'm missing something on how this works - any advice you have on complimentary insurance is very welcome!
Thank you and happy friday!