Foreign student health insurance Switzerland
For students, interns and au pairs
CHF 65 / Month
Swisscare Quote & Buy
Leading student insurance
Leading student insurance
Approved by Swiss authorities
Approved by Swiss authorities
Recommended by all universities
Recommended by all universities

What is the international student health insurance Switzerland plan ?

This insurance plan is a comprehensive medical and accident insurance that complies Article 2 Para. 4 of the Swiss Health Insurance Ordinance KVV / OAMal that regulates the insurance obligations of foreign students, interns and aupairs.

All benefits of the Swiss national health insurance scheme KVG-LAMal without requesting any medical history or medical questionnaire.

The plan is covered by a Swiss leading insurance company and does not ask any medical questionnaire. Pre-existing conditions are covered.

Who can apply the plan?

  • Scholars and students
  • Internships
  • Au pairs

All foreign students, interns and au pairs who stay in Switzerland temporarily between 90 days up to 6 years can join Swisscare's international student health insurance Switzerand plan.

If you stay from 1 day to 89 days, this insurance plan is the correct choice.

Country-specific information

Country-specific information

Select country
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden

Nice to know

  • Benefits according to the Swiss law
  • Illness and accidents
  • In / out patient coverage
  • Assistance benefits included
  • Unlimited plan
  • No medical questionnaire
  • Direct billing for inpatient treatments
  • Completely online
  • Valid in all cantons
  • Valid for student visa's and permits
  • Choice of 3 insurance plans
  • Choice of 3 deductibles
  • Customer account / mobile app
  • Bank transfer / credit card
  • Refund of premiums
  • Online claims

Frequently Asked Questions

  • What is Swiss authorities exemption procedure ?

    What is the exemption and its procedure?                        


    SWISSCARE Student Switzerland insurance plan covers 100% the benefits of the mandatory Swiss national health insurance scheme KVG-LAMAl. The exemption is a “waiver” for particular residencies (e.g. foreign students, interns or au-pairs) in Switzerland from the Swiss obligatory health insurance. After filling out this exemption form and sending all documents to SWISSCARE, our team will stamp, sign and send it directly to the responsible cantonal authorities. Upon reception of the documents, the cantonal authority will verify whether if you are well-insured according to the Swiss law KVV-OAMal art. 2.4. This verification process could take weeks or months. Once confirmed, you will receive an approval confirmation letter directly from the cantonal authorities.


    Does it mean that I can be exempted from paying any health insurance?                        


    Answer : NO 

    According to Swiss law, each and every person are mandatory to have a compliant Swiss state health insurance in Switzerland. But for certain people such as foreign students or interns, you have the exemption benefit (optional) of being insured with a private/student health insurance in Switzerland such as Swisscare, instead of the Swiss state obligatory health insurance. The exemption procedure "a waiver" is to exempt you from the Swiss obligatory state insurance and it is approved by the authority only in case you have a compliance health insurance, like Swisscare.


    Do I need to pay the health insurance during the procedure?                        


    Answer : YES.


    This is to ensure that you always have active insurance coverage during the process period in case of any medical emergency situation. As well due to Swiss law, you are required to have insurance coverage from the first day of your arrival. The insurance premium payment is mandatory by respecting the payment deadline within 30 days. In the case of non-payment, the company can suspend your insurance coverage for any claims. Please be aware that Switzerland is one of the most expensive countries concerning medical and healthcare services (hospitals, doctors etc...).


    Could the exemption request be refused by the cantonal authority?            


    The canton authority could refuse the exemption request made from Swisscare. But the refusal is always due to your eligibility for being insured with the student insurance plan. The letter of decline from the authority will clearly state the reason for the refusal. In the case of refusal, you are then mandatory to switch and be insured with the Swiss obligatory state KVG-LAMal health insurance.

     

  • How to change an address ?

    You can change your address by simply connecting to your customer account or using the MySwisscare app on iOS or Android.

  • Hospital treatments, general practitioners or dentists, what is covered ?

    If a medical treatment is necessary, you can fix an appointment with a general practitioner or a specialist. For such outpatient treatments, you have to pay in advance your medical fees and then request the refund through your customer account or your MySwisscare iOS / Android app.

    If you are admitted in an hospital (means you need to stay a night and more) then simply show your digital insurance card from your MySwisscare account on iOS or Android smartphone. If the hospital ask more details about the insurance, you can simply click on share on MySwisscare account on iOS or Android, enter the given email address ot the hospital. The hospital will then receive instantly your full insurance certificate with all details. For such inpatient treatments at hospital, Swisscare will be billed directly. In general you dont have to pay. In some case, the hospital can as you to pay a deposit.

    Dentist are in general not covered except in case of accident.. Some plans of Swisscare includes a small dentist cover. The general insurance conditions will provide more information about the dentist cover if existing.

  • What is a deductible

    The insurance deductible is the portion of amount that you bear yourself for your medical treatments. The general insurance conditions will fix the rules for the deductible. The deductible can be calculated per contractual year, for a specific duration, for a specific treatment or for a specific insurance cover.


    The insurance deductible is stated also on the insurance certificate.


    Not all insurance plans has deductibles.

  • How to get refunded for your doctor, pharmacy invoices ?

    Important

    Before all, it is important that you understand that an insurance company provide only cover for the benefits stated in the general insurance conditions. Not everything is paid by default.

    Before you start a claim procedure, note that outpatient treatments must be paid in advance (doctors, pharmacy, specialist, hospital day visit...).

    In order to get quickly a response from the claim services, we invite you to follow the claim procedure that you can start online on your customer account or using MySwisscare app on iOS or Android.
     

    1. Open your online account on your computer or use MySwisscare app on iOS or Android
    2. Select the right insurance policy and complete the online fields
    3. Take a picture and/or upload the pdf or jpg file of your detailled invoice
    4. Take a picture and/or upload the proof of payment (receipt of bank or cash payment of the pharmacy, doctor, specialst, hospital...)
    5. Explain in short your treatment
    6. Send it online



    How long does it take for a refund ?

    Only once you send all the relevant document, the insurance company will start the refund. In general within less than 30 days you will be refunded. Some pick times can happens. If after 45 days you still not receive any information from the insurance company, then get in touch with them through our contact form.

  • How long takes to receive the insurance policy

    Instantly if you pay with credit card


    If you pay your insurance with credit card, you can download your insurance policy immediately.


    Takes up to 2 weeks with bank transfer


    Payment coming from EU/EEA or Switzerland bank accounts, it takes maximum 2-3 office days until you will see your payment into your personal mySwisscare account. You will get an email automatically after reception of your payment.

    Payment coming from outside of EU/EEA or Switzerland. Such payment can take up to 2 weeks until they are accounted into your personal mySwisscare account. You will get an email automatically after reception of your payment.


    You can at any time pay with credit card to receive instantly your insurance certificate


    Just login in your mySwisscare account and under finance you can directly choose to pay with credit card your insurance premium. Takes few seconds and you can download instantly your insurance policy.

  • Cancel your SPSS student plan ?

    Swisscare’s foreign student, intern and au pair health insurance in Switzerland offers a range of possibilities to cancel your insurance in accordance with the terms and conditions as follow :


    Leaving definitively Switzerland


    If you leave definitively Switzerland, you can cancel your insurance for the day you leave. Please send to Swisscare a scanned copy of the official departure letter from your city hall. The non used premium will be refunded before departue.

    Please send us with your definitive departure letter also your Swiss bank account in full. Bank name, bank address in full, IBAN... and also Bank holder name, bank holder full address as stated into the bank account. Only with a full bank account detail, the refund can be operated in time before your departure.

    You are no more student, intern, au pair and stay in Switzerland

    By the law and in our terms and conditions, you are no more eligible for the student health insurance Switzerland plan. Your contract must be cancelled and you have to switch to the Swiss national health insurance scheme KVG-LAMal. Swisscare provide the Swiss state insurance plan KVG-LAMal. We will guide you for the changes.

    You are married with a Swiss national / resident

    Once you married with a Swiss national or a Swiss resident, you will loose your student residency permit. You must inform Swisscare and the authorities and are required to be enrolled in the Swiss national health insurance scheme KVG-LAMal.

    Ordinary change to another insurer

    If you wish change from Swisscare plan to another insurer without any of the above reasons, then you can cancel your insurance for the end of a calendar year (31st of December) by uploading your cancellation letter through the contact for of Swisscare. 

    To validate your cancellation, we need a proof of your new insurance provider from the 1st of January. 

    Attention ! Cancellation is only possible if your insurance policy was active at minimum for a duration of  12 month. 

Legal : The insurer is Europäische Reiseversicherungs AG is a stock corporation under Swiss law, with its registered office at Margarethenstrasse 38, 4002 Basel. The company is registered by the Swiss Financial Market Supervisory FINMA.