Most people in Switzerland ask the same question before booking a preventive blood test: will my health insurance pay for it? The honest answer is: usually not from basic insurance, sometimes partly from supplementary insurance, and only if specific conditions are met. This guide explains how it works, what to check in your own policy, and where Aeonix stands today.
Basic insurance (KVG/OKP): a closed list
Basic insurance only pays for preventive measures that are listed in Articles 12a to 12e of the Health Care Benefits Ordinance (KLV). The Federal Office of Public Health (BAG) describes this list as exhaustive. It covers items such as vaccinations, certain disease prophylaxis, defined examinations and specific screening programs, mostly for defined risk groups or age bands.
The BAG also states that preventive or presymptomatic laboratory analyses only count as basic-insurance benefits if they are listed in Article 12d or 12e KLV. A broad biomarker panel for a healthy adult without symptoms is not on that list. In practice, this means basic insurance does not pay for a comprehensive preventive blood test.
What basic insurance does pay for is diagnosis and treatment when there is a medical reason. If you have symptoms, a known condition or a doctor suspects a problem, the tests your doctor orders for that reason are a different case.
Supplementary insurance (VVG): it depends on your product
Supplementary insurance is private and each insurer sets its own rules. Some products contribute to preventive check-ups, but conditions differ a lot. Two examples, checked on the insurers' own pages in November 2026:
- CSS: depending on the product, CSS contributes 50% of check-up costs, capped between CHF 300 and CHF 1,000 every two calendar years. Livo prevention insurance, CSS Standard and CSS Standard Plus are listed at 50% up to CHF 500 every two calendar years. CSS asks that the invoice shows the treatment reason "Prävention".
- Helsana: prevention benefits are insured under SANA, COMPLETA, COMPLETA PLUS and COMPLETA EXTRA, but only for measures and providers on Helsana's recognised list. That list explicitly states that providers promoting longevity are not recognised.
Other insurers have their own rules. These figures can change each year, so always read your current policy conditions.
Five things to check before you claim
- Which supplementary product do you have? Prevention cover is often tied to a specific product, not to the insurer as a whole.
- Is the provider recognised? Many insurers only pay for providers on a named list, or for providers registered under KVG.
- Is a doctor involved? Some products require the check-up to be medically recommended or carried out by a doctor.
- How must the invoice look? Some insurers need a specific treatment reason, such as "Prävention", on the invoice.
- What are the limits? Look for the percentage, the cap in CHF and the period (per year or every two years).
The simplest route is to send your insurer a short written question before you book, naming the product you hold and the type of test. A written answer protects you if there is a dispute later.
Where Aeonix stands
Aeonix is a self-pay preventive screening program. We do not handle reimbursement, and we do not promise that any insurer will contribute. Based on the published rules above, you should assume you pay the full price yourself, and treat any contribution from your supplementary insurer as a bonus. If your insurer confirms cover in writing, we are happy to provide the documents you need for your claim.
See what each plan includes and costs on our health check cost guide, and why basic insurance is structured this way in why your Krankenkasse doesn't cover these tests.
Frequently asked questions
Does Swiss basic insurance pay for a preventive blood test?
Generally no. Basic insurance only pays for the preventive measures listed in Articles 12a to 12e KLV, and preventive lab analyses only if they appear in Article 12d or 12e. A comprehensive panel for a healthy adult is not on that list.
Can supplementary insurance reimburse a health check-up?
Some supplementary products contribute, usually a percentage up to a cap, for recognised providers and under specific conditions. Check your own policy and ask your insurer in writing before booking.
Will my insurer reimburse an Aeonix test?
We cannot promise that. Aeonix does not handle reimbursement. Some insurers, such as Helsana, explicitly exclude longevity providers. Plan on paying yourself and ask your insurer directly.
What should I ask my insurer?
Name your supplementary product, the type of test and the provider, then ask whether it is covered, at what percentage and cap, and what the invoice must show.
Sources
- BAG: Health insurance, measures of medical prevention
- BAG circular: cost coverage of preventive and presymptomatic analyses (18 Jan 2023)
- CSS: Check-up
- Helsana: Recognised preventive measures and providers
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