Health insurance in Switzerland
Everybody who resides in Switzerland for more than 3 months must mandatorily be enrolled in the Swiss national health insurance scheme. Foreign students are exceptions and can be insured with private insurance.
Foreign students, to reduce their costs, use mainly private health insurance in Switzerland.
Non EU/EEA students, phds, interns, au pairs
Third country students can be exempted from the national health insurance scheme if they can prove that they have an insurance that covers at least the same benefits as the Swiss national health insurance law KVG-LAMal. This is why Swisscare Studentpass Switzerland plans is proposed since more than 13 years and is the leading student insurance in Switzerland. The benefits provided are fully in compliance with the Swiss law. Attention each canton (a region in Switzerland) has his own law and acceptance rule.
EU/EEA students, phds, interns, au pairs
Students from EU/EEA can be insured in Switzerland thanks their EHIC (European Health insurance Card). If no HEIC is provided, the EU/EEA student can apply Studentpass Switzerland plan.
Important: each canton (a region in Switzerland) has his own law and acceptance rule.
Non eligible to Private insurance
In any case, if you are not accepted with private medical insurance in Switzerland, Swisscare propose the enrolment in the Swiss national health insurance Scheme with the best possible covers. Note that if your revenue is very low or nonexistent, you car request a premium reduction. Swisscare can guide.
A Swiss plan
Majority of plans for students in Switzerland are foreign insurance products. Swisscare Studentpass plan is a registered Swiss product underwritten by Europäische, Group Helvetia (The third largest insurer in Switzerland) with millions of insureds. You have a local insurance that guarantees your rights under the Swiss regulations.
Studentpass Switzerland plan allowed you to consult doctors and specialists without pre-approval of the insurer. This applies also for prescribed medication or emergency hospital outpatient treatment.
For planned inpatient treatments (non-emergency), it is recommended to contact the claim service for the following reasons :
- the claim service can arrange the whole administrative stuff with the hospital
- the claim service can arrange the guarantee of payment
- the claim service will arrange direct billing (payment) to the hospital
For outpatient treatments, you must pay upfront your treatments. You will be refunded by the insurer with a deduction of the deductible (franchise) once you send the claim form duly filled out to the insurer with all necessary information.
The minimum deductible for adults in Switzerland is CHF 300 with 10% co-participation. Swisscare follow carefully the law by applying exactly the same rules. This allowed Swisscare to be the leading product on the market and have a longterm trust with the Swiss authorities, consulates and other medical providers in Switzerland.
Assistance 24 / 7
Swisscare studentpass propose a 24 / 7 assistance service for foreign students in Switzerland. If you need any support outside of the office hours for medical treatments or medical emergency, our assistance line will help you with the following information:
- Find a hospital
- Find a doctor or specialist
- Get in touch with the hospital for a guarantee of payment
- Organise your planned hospitalization, delivery
If you are abroad, our service will be at your support 24 / 7
Once you are insured through one of the Swisscare products, you are paying an insurance premium for an event of which most certainly hope it will never occur. The premium you pay will fall into a community fund (insurance).
The majority of the members of this community contribute to you for few who are in needs while they are sick or have an accident.
You participate like all members of the community into this fund with a financial contribution because there is a risk that one day you are also in needs and suffer from an illness or an accident for which the cost of treatments would be impossible to bear on your own. In that case, you will then profit from the fund (insurance) of the others members which will pay for you.
Translated documents in EN / DE / FR
Swisscare members are spread worldwide. More than 7500 languages are currently existing. This is why Swisscare like the majority of international insurance providers or insurers ask their member to submit invoices in English ( Swisscare inTrust claim service accept also German or French). If your invoices are in a different language kindly translate the most important details and submit this translation along with the invoices. (Legal translation is not required).
How to receive a refund within a reasonable time
Only with your help and with your accurate and complete documentation our claims team can treat your refund as quickly possible.
And you… A happy Swisscare member!
Submit a claim
Log in to your account and under the claim tab, you can start the online claim procedure.