Foreign Student Health Insurance Switzerland

For students, interns and au pairs in Switzerland
CHF 65 / Month
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Swiss Insurer
Swiss Insurer
Accepted in all cantons
Accepted in all cantons
Recommended by universities
Recommended by universities

What is the international student health insurance Switzerland plan ?

This insurance is a comprehensive medical and accident insurance that complies with article 2 paragraph 4 of the Swiss Health Insurance Ordinance KVV / OAMal, which regulates the insurance obligations of foreign students, interns, and au pairs.

You have all benefits of the Swiss national health insurance scheme KVG-LAMal without having to submit any medical history or medical questionnaire.

Who can apply?

  • Scholars and students
  • Interns
  • Au pairs
  • Doctoral students
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 KVG-LAMal
  • Illness and accidents
  • In- / out-patient treatments
  • No medical questionnaire
  • Direct billing for inpatient treatments
  • Completely online
  • Valid in all cantons
  • Valid for student visa applications
  • Choice of 3 insurance plans
  • Choice of 3 deductibles
  • Mobile App (iOS and Android)
  • Bank transfer / credit card payment
  • Online claims declaration

Frequently Asked Questions

  • What is an exemption procedure ?

    What is an exemption and why do I need one?

    The SWISSCARE Student Switzerland insurance plan covers all benefits of the mandatory Swiss national health insurance scheme KVG-LaMal. The exemption is a “waiver” from the obligation to have Swiss national health insurance and is only possible for a very limited group of individuals (e.g. foreign students, interns, trainees, au-pairs) who are in Switzerland temporarily. After filling out the exemption form (you will receive one after completing your online application) and sending all requested documents to SWISSCARE as pdf files and in good quality, our team will stamp, sign and send these documents directly to the responsible cantonal authorities. Upon reception of the documents, the cantonal authority will verify whether you are eligible for exemption according to article 2 paragraph 4 of the Swiss Ordinance on Health Insurance (KVV, OaMal). Depending on the authority concerned, the verification process can take a few weeks or even several months. Once the concerned authorities have rendered a decision, it will be sent directly to the insured. Unfortunately, Swisscare is not informed and can not obtain any information concerning this process.


    Does this mean that I can be exempted from paying for my health insurance?

    Answer: No.

    The premiums are due and the exemption procedure has no impact on the obligation to pay for the insurance premiums.

    According to Swiss law, it is mandatory for every resident in Switzerland to obtain health insurance coverage in accordance with the regulations set in the Swiss Health Insurance Act. However, for certain individuals such as foreign students, or interns, there is an option to waive this obligation and to obtain private health insurance coverage, as long as the benefits are equivalent to those required by the Swiss Health Insurance Act. During the exemption procedure, this is what the authorities verify.


    Do I need to pay for my health insurance during the exemption procedure?

    Answer: Yes

    The reason the premiums are still owed during the time the exemption request is being processed is that should a client not pay and thus lose coverage, Swisscare is obligated to notify the authorities and the exemption process is then automatically stopped and the individual can be assigned to a Swiss national health insurance scheme by the authorities. Additionally, Swiss law requires compliant insurance coverage from the day of arrival on. For this reason, it is very important to respect the payment delays. In the case of non-payment, coverage can be suspended and a notification to the authorities may become necessary.


    Is it possible that the exemption application is refused by the competent authorities?

    The cantonal authorities can refuse an application for exemption based on a lack of eligibility - meaning that the individual does not fulfill the conditions set out in the applicable laws. The refusal decision always states the reasons for refusal, as well as a deadline for an appeal. Should the application be denied, a national Swiss health insurance provider must be found for the concerned individual and Swisscare should be contacted and the termination process initiated.

    What is an exemption confirmation?

    This is the document you will receive from the competent authorities (cantonal or communal), usually by post, which confirms that they have accepted that you are exempt from the State Health Insurance Scheme because you have equivalent coverage with the Swisscare Studentpass Switzerland insurance product. 

    Please take good care when you receive this document, because you must submit a scan or copy when you file a claim for reimbursement.

  • How can I change my address?

    You can change your address by logging into your customer account or using the MySwisscare app on iOS or Android.

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

    If you are in need of medical treatment, it is important the treatment is undertaken by a doctor whose certification is officially recognized in the country you receive your treatment. Depending on the insurance coverage you have chosen, certain exclusions may be applicable. We recommend that the General Insurance Conditions are consulted and if it is not clear, to ask questions concerning reimbursement and claims directly to the concerned claim service. Outpatient treatments (meaning you don’t have an overnight stay in a medical facility) generally have to be paid in advance, then you can proceed to submit your claim to the claim service via email, or via your customer account or the iOS / Android app.


     

    In the case of hospital admission for inpatient treatment (meaning an overnight stay), you can present your digital insurance card saved on your MySwisscare account or on the iOS or Android app. If the inpatient facility requires further information, you can simply click or tap share - and then enter the email address given by the hospital. They will then receive the complete insurance policy with all the details. Most of the time, inpatient treatments will be billed directly to the concerned insurer, however, they may request a security deposit.


    Dentists are usually not covered unless there is an accident. Should a plan provide coverage for dental treatments this will be stated in the General Insurance Conditions (GIC’s and the benefits list).

  • What is a deductible?

    The insurance deductible is a fixed sum that is at the expense of the insured in the case of a claim covered by the chosen insurance policy. The general insurance conditions define the amount and the scope of application. The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a specific treatment or for a specific insurance cover. 

    The insurance deductible is also stated on the insurance policy.

    Not all insurance products are submitted to a deductible.

  • How do I claim my medical expenses?

    Important

    Please note that coverage is only provided for the benefits stated in the General Insurance Conditions. At times exclusions are also applicable and they vary depending on the insurance product. It is recommendable to verify the coverage of the chosen product in advance.

    In the case of outpatient treatment (no overnight stay at a medical facility), the insured always has to pay for the medical treatments (doctor’s, pharmacy, specialists, hospital outpatient treatments) in advance. 

    To ensure you are refunded quickly, it is recommendable to follow the claim procedure via your customer account or by using the MySwissare iOS or Android App.

     

    1. Log into your MySwisscare Account

    2. Select the concerned insurance policy and complete the online fields

    3. Take a picture and/or upload the pdf or jpg file of your detailed invoice

    4. Take a picture and/or upload the proof of payment (bank receipt or cash payment receipt from the pharmacy, doctor, specialist, hospital...)

    5. Short statement concerning the medical issue and the administered treatment

    6. Send / Submit


     

    How long does it take for a refund to be made?

    Once the concerned claim service has received all required documentation the insurer will initiate the refund procedure. In most instances, a refund is effected within 30 days of submission of the complete documentation. During peak seasons (for example December) it is possible that a refund will take longer. If within 45 days you have not been refunded by the insurer, we recommend that you contact them directly via email or our contact form.

  • How long does it take until I receive my insurance policy?

    Instantly if you pay by credit card

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


    Payment by bank transfer: it may take up to two weeks 

    Payments coming from the EU/EEA or Switzerland usually only take around 2-3 bank office days until we receive them, and then shortly after it is credited to our account the payment will be visible in your personal MySwisscare Account. You will receive an email confirming reception.

    Payments made from outside of the EU/EEA or Switzerland can take up to two weeks until they are credited to our account. As soon as we have received them, you will receive an email confirming reception.


    You can pay by credit card at any time to receive your insurance policy instantly. 

    Just log into your MySwisscare account and under the tab "finance" you can choose to pay your insurance premium by credit card. After a few seconds, you will be able to download your insurance policy.

  • How do I cancel my SPSS Student plan?

    Leaving Switzerland 

    If you are leaving Switzerland permanently, meaning that you will be returning your residence permit or it is no longer valid, you can cancel your insurance on the day following your departure (if you leave on the 25th, then that is the last day of validity and the cancelation takes effect on the 26th). To do so please email us a scanned copy of your official attestation of departure from the city hall. Premiums for the time after departure according to the policy you present will be refunded.

    Please send us along with your attestation of departure your bank account coordinates for a refund. We require the following information: bank name, bank address, IBAN, SWIFT/BIC, account holder name and address. Once we have all the required information, the refund will be made.

    You are no longer a student, intern, au pair and are remaining in Switzerland

    By law and our General Insurance Conditions (GIC’s), once your status changes and you are no longer eligible for the Student health insurance plan, the plan must be canceled. As we are not necessarily informed of such changes, you are required to contact us to initiate the cancelation procedure and the switch to a Swiss national health insurance scheme KVG-LAMal. We are happy to support you with the switch.

    You marry a Swiss national

    Once you marry a Swiss national, your residence status changes and the main reason for your stay in Switzerland is no longer of a temporary nature - which means you are no longer eligible for an exemption to have student health insurance. You must inform Swisscare of these changes as well as the concerned authorities and you will have to switch to a Swiss national health insurance scheme KVG-LAMal. We are happy to guide you during this transition.


    Change to a different insurer 

    If you wish to change to another insurer and none of the reasons above are applicable, then you can cancel at the end of the calendar year (December 31st) and must hand in the notice until September 30th of the current year.

    To validate your cancellation, we need a confirmation from your new insurance that coverage will begin on January 1st of the following year. Please note, that an offer is insufficient to validate a cancelation, it must be an insurance policy. 

    Attention! A cancellation is only possible if your insurance policy was active for at least 12 months. 

  • Swisscare news for COVID-19 (SPSS)

    The cost of the COVID-19 / Coronavirus tests and treatments will be reimbursed by basic health insurance. You may refer to the Federal Office of Public Health for more details.

    Possible case(s) are advised to phone the doctor’s office or hospital first, rather than showing up in person.

    Federal Office of Public Health (FOPH)
    Coronavirus Infoline: +41 58 463 00 00, daily 24 hours
    For health professionals: +41 58 462 21 00, daily from 8 a.m. to 6 p.m.

    The Infoline is staffed 24 hours daily in German, French, Italian, and English.

  • What is a copayment (SPSS)?

    A copayment is an amount per calendar year at the expense of the insured for covered insurance benefits. The Swiss health insurance act requires that there is a copayment as well as a franchise for medical costs at the expense of the insured. The copayment is limited to 10% of the covered medical costs up to a maximum of CHF 700 per calendar year.

Legal: The risk carrier is Helvetia Swiss Insurance Company Ltd, Dufourstrasse 40, CH-9001 St. Gallen. The insurance lies with: Europäische Reiseversicherungs (entitled ERV in the GIC), a branch of Helvetia Swiss Insurance Company Ltd, headquartered at St. Alban-Anlage 56, P.O, CH-4002 Basel. The company is registered by the Swiss Financial Market Supervisory FINMA.

Stop Corona

Protect yourself and others
Get together with fewer people.
Get together with fewer people.
Maintain a distance.
Maintain a distance.
Wear a mask around people.
Wear a mask around people.
Clean your hands.
Clean your hands.
Cough and sneeze into your elbow.
Cough and sneeze into your elbow.
Do not shake hands.
Do not shake hands.

For more information check the WHO and your local regulations.
For more information check the WHO and your local regulations.