Student health insurance Switzerland / Liechtenstein

Student health insurance Switzerland plan is an official insurance registered by the Swiss authorities and covered by a Swiss insurer. No medical questionnaire (as required by the law) and recommended by Swiss universities.

From CHF 65 month The best sale in Switzerland
From CHF 65 month The best sale in Switzerland
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Student health insurance

  • Swiss regulated VVG plan
  • Valid for student visa by the Swiss embassies & consulates
  • Benefits of the Swiss law KVG-LAMal included
  • No medical questionnaire
  • Unlimited comprehensive medical covers
  • Swiss legal deductibles
  • Assistance 24 / 7
  • Insured by the 3rd biggest Swiss insurance group
Switzerland / Liechtenstein
Switzerland inbound

Studentpass Switzerland is aimed for foreign students who live temporarily in Switzerland up to 6 years

Who can be insured

International students, phds, interns, au pairs can apply studentpass switzerland plan. Some local conditions applies too.

Our 3 plan level

Standard

Max. annual benefits

Unlimited
  • Covered in Switzerland/Liechtenstein
  • Covered abroad in case of emergency
  • 100% KVG-LAMal benefits
  • Illnesses and accidents
  • In and out-patient treatment
  • Hospital admission
  • Pregnancy & maternity
  • Child birth abroad CHF 8000
  • GP’s & specialists
  • Prescribed medication
  • Search and rescue
  • Assistance 24 / 7

Comfort

Max. annual benefits

Unlimited
  • Covered in Switzerland/Liechtenstein
  • Covered abroad in case of emergency
  • 100% KVG-LAMal benefits
  • Illness and accidents
  • In and out-patient treatments
  • Hospital admission
  • Pregnancy & maternity
  • Child birth abroad CHF 12000
  • GP’s & specialists
  • Prescribed medication
  • Dental treatment 90% max CHF 250
  • Search and rescue
  • Hospital visit family member CHF 2500
  • Repatriation 50% max CHF 2000
  • Travel protection
  • Assistance 24 / 7
  • Exam protection

Premium

Max. annual benefits

Unlimited
  • Covered in Switzerland/Liechtenstein
  • Covered abroad in case of emergency
  • 100% KVG-LAMal benefits
  • Illness and accidents
  • In and out-patient treatment
  • Hospital admission
  • Pregnancy & maternity
  • Child birth abroad CHF 16000
  • GP’s & specialists
  • Psychologists
  • Prescribed medication
  • Glasses & contact lenses
  • Dental treatment 100% max CHF 500
  • Search and rescue
  • Hospital visit family member CHF 5000
  • Repatriation 50% max CHF 4000
  • Travel protection
  • Assistance 24 / 7
  • Exam protection

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 :

  1. the claim service can arrange the whole administrative stuff with the hospital
  2. the claim service can arrange the guarantee of payment
  3. 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

Think community

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.

Compare our plans in details

Standard
Comfort
Premium
All covers in detail

Contractual information

Currency
CHF
CHF
CHF
Insurance sum
Unlimited (KVG-LAmal)
Unlimited (KVG-LAmal)
Unlimited (KVG-LAmal)
Annual deductible
300 / 500 / 1000
300 / 500 / 1000
300 / 500 / 1000
Territoriality
Worldwide
Worldwide
Worldwide
Age maximum
45yo
45yo
45yo

Hospital covers

General ward (CH)
yes
yes
yes
Abroad (except USA, CAN, JPN) 1
yes
yes
yes

Outpatient treatments

Hospital day care
yes
yes
yes
General practitioner
yes
yes
yes
Specialists
yes
yes
yes
Psychiatrist (in- and outpatient)
yes
yes
yes
Psychologist 2
no
no
50% max 500

Maternity

Pregnancy
yes
yes
yes
Childbirth in CH
yes
yes
yes
Childbirth abroad (except USA, CND, JPN) 1
8'000
12'000
16'000
Antenatal classes
100
300
500
Normal pregnancy check-ups
7
9
11
Obstetric ultrasound examination
2
4
6

Medicine

Prescribed medicine
KVG-LAMal
KVG-LAMal
KVG-LAMal
Alternative medicine
KVG-LAMal
KVG-LAMal
KVG-LAMal

Emergency treatments

Emergency treatments (in- and outpatient)
Worldwide
Worldwide
Worldwide

Dental treatments

Accident
80%
90%
100%
Illness 3
No
50% max. 250
50% max. 500

Transport & rescue

Ambulance & transport
50% max. 500
50% max. 1'000
50% max. 2'000
Search and rescue
50% max. 5'000
50% max. 10'000
50% max. 20'000

Hospital visit of a family member

Flight in the economy class/medium-priced hotel
no
2'500
5'000

Repatriation to home country

Return to home country
no
50% max. 2'000
50% max. 4'000
Repatriation of mortal remain
no
yes
yes

Accidental capital

Death
10'000
20'000
30'000
Disability
10'000
30'000
50'000

Glasses & contact lenses

Glasses and contact lenses
no
no
100 every 3 years

Travel protection

Trip cancellation (accident and illness)
no
500
1'000
Recovery ID card and pass
no
100
200

Exam protection

Exam protection
no
500
1'000

24 / 7 Assistance

Help with the choice of a doctor and hospital
yes
yes
yes
Mobile phone- and credit-card-blocking service
yes
yes
yes

Notes

1 Only with ERV’s consent, according to GIC Art. 1.4 D.

2 Not delegated treatments in addition to KVG/LAMal.

3 Dental treatments in case of new illnesses which are not already covered by OPAS.

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. Swisscare Insurance Service (Switzerland) AG, Ch. de Beaulieu 8, 1752 Villars-Sur-Glâne is a tied agent of the company Europäische Reiseversicherungs AG. Swisscare Insurance Service (Switzerland) AG is registered by the swiss company index under the number CHE‑112.334.543.