Under the local
legislation, there are provisions whereby a
person could be exempted from any medical
insurance cover in Switzerland. The
If you can show proof
that you are covered by insurance bought in
your home country, and the insurance
provides you with similar coverage to that
of a basic insurance scheme you can find in
If a person travels
to Switzerland as part of an exchange or
other international program (e.g. overseas
students, interns, and scientists). If
that being the case, the organizer or your
employer would have to undertake to bear all
medical costs incurred by you during your
stay in Switzerland.
If you have been in
Switzerland for business trip and it is
meant for a short stay.
If you have a
diplomatic license or you are employed by an
health insurance cover
insurance is commonly available to the many
public and private insurance companies, and
the public enjoys complete freedom in what
to choose. Insurance benefits are more
or less the same across providers but do
expect variations in premiums, and sometimes
the difference is a lot.
Take notice that
local legislation does not require state or
private employer to provide basic sickness
insurance coverage for people under its
payroll. It is up to every individual
to take up the responsibility to make
arrangement for the necessary coverage.
Essentially, individual is left with the
choice on which insurance provider to go
for, unless your employer happens to have an
existing arrangement with certain insurance
company and the corresponding coverage
provided is partly funded by your employer
(this happens only rarely). In which
case, your insurance cover is taken care of
by that specific insurance company.
individual risk profile, instead of income
level, is the major criteria considered when
it comes to calculation of insurance
premiums. Nevertheless, the Swiss
Confederation would provide subsidy to any
individual or family who is deemed to be
within in low income bracket. Based on
figures released in 2004, the average of
basic insurance premium is close to CHF 250
schemes in Switzerland provide coverage for
only individuals, and they are not extended
to the families. This particular
feature makes it stand apart from other
European Social Security schemes. So
it is the responsibility of each individual
person to make sure that every member of the
household is insured, including kids.
insurance providers is possible under local
laws but it is more complicated over here,
and it is common to expect about three
months for the change to take effect.
If you are leaving Switzerland for at least
a fair duration of time, it is advisable
that you send in the cancellation notice one
months in advance.
The benefits of
the Swiss insurance schemes
sickness insurance covers medical related
services that revolve around illnesses,
accidents (when it is not covered by an
accident insurance policy) and maternity.
Specifically they are the in-and out-patient
medical treatment, and prescription drugs
from the hospitals and clinics.
When a resident
is only protected by a compulsory basic
insurance scheme, it is necessary for that
person to contribute to your annual medical
fund, which is kept to a certain limit every
year. This particular tax is computed
as a percentage point to your annual medical
costs, and it has an upper ceiling to it.
In 2004, this limit was CHF 300/year.
Individual has flexibility in deciding how
much do you want to contribute to this tax;
the higher the contribution, the lower your
money insurance premiums (but you are taking
a chance on you are not going to be as
susceptible to sickness that particular
year). In fact, insurance providers
generally lower the premiums when you
haven't been incurring any significant
dental cover does not fall under the basic
insurance scheme. Separate arrangement
would have to be made if one would like to
enjoy dental benefits. Dental cover is
a common offer among insurance companies
here. Chances are the one you are
subscribing to for your basic insurance
scheme would be able to provide such policy
Close to half of
the population in Switzerland often opt for
additional benefits in the insurance cover.
This would facilitate more flexibilities,
like a more comfortable hospital stay when
admitted, or a wider coverage of sicknesse.
However, there is a fundamental difference
between basic insurance and additional
insurance. Unlike basic insurance,
insurance providers have every right to
decide if they are going to accept
application for additional insurance. Or
they may also apply any additional condition
before they agree to take on additional
insurance. Private medical and
additional dental cover are subject to a
three-month qualifying period before they
are to take effect.