Medical Insurance in Switzerland
Medical Insurance in Switzerland
How to Get Medical Insurance in Switzerland for Expat
Switzerland is known for its highly professional doctors and the most up-to-date medical and healthcare facilities. According to the Swiss laws, all people who live in the country must have basic health insurance.
Have you decided to move to Switzerland? This means that you will need to get health insurance within the first three months after your arrival to the country. Babies, who are born in Switzerland, must also be insured within the first three months after their birth date.
Swiss providers offer a wide choice of expatriate health insurance plans to their clients. So, it can be difficult to select the insurance that fits your lifestyle in the best way. Here, you will find useful tips and recommendations on how to get the proper coverage.
Parents and their kids have to be insured separately. There is no insurance plan that can cover both you and your children. Are you an expat, who is interested in getting health insurance? Your task is to find a plan that provides good compensation. After getting medical insurance you don’t need to worry about unforeseen health issues. So, once you arrive to Switzerland try to get an insurance as soon as it is possible.
Make sure that you are going to obtain the health insurance that corresponds to the Swiss law. A lot of companies provide health insurance services in Switzerland. Keep in mind that the global health insurance policies (even policies providing coverage in Switzerland) may be not accepted by the local officials. It is necessary to say that Swiss health insurance providers are highly regulated by the government.
Now, let’s consider the most important things that expats should know about obtaining the health insurance in Switzerland.
Do You Know the Difference Between Accident Insurance and Health Insurance?
In Switzerland, you can be offered accident insurance and health insurance. Nevertheless, there are significant differences between these two insurance types. Emergency situation can unexpectedly happen to anybody. Accident insurance implies paying compensation in this case. If you have health insurance you will get compensation only when you are ill.
According to the Swiss law, employers have to provide their employees with accident insurance. It covers all accidents, which happen to a person during the work process. Also, accident insurance covers accidents that happen to employees outside their working hours.
The costs of accident insurance service are paid by employers and employees. So, don’t get surprised if accident insurance costs will be automatically deducted from your salary.
Are you a self-employed person? In this case, you can contact your health insurance provider and get accident insurance by yourself. If any accidents happen to you, the insurance will compensate all your health care-related costs.
Selecting the best service plan you should discuss the conditions of your accident insurance with the provider in advance. The point is that each company has its own accident insurance policy. This means that conditions of accident insurance can be different. As a rule, an accident insurance policy covers most situations. However, it may not include activities, which pose health risks such as extreme sports and others. So, you should check your policy carefully before getting the insurance.
Compensation for Swiss Medical Insurance
Compensation for Swiss medical insurance is different in each individual case. In addition to insurance costs a person has to pay 10% co-pay of the total treatment expenses. The amount of compensation depends on your plan. The lower the deductible – the higher premium is.
How to Select Expatriate Medical Insurance
The costs of your expatriate medical insurance will mainly depend on two factors. These are your coverage and how frequently you visit the doctor. If, for example, you don’t have frequent illnesses then you can consider basic medical insurance plan with high deductable. It is available at low prices. However, if you visit a doctor frequently and have health issues it would be expedient to consider medical insurance plans with low deductable. They are more expensive.
The following types of medical insurance are available for Swiss expats:
Standard Basic Health Insurance
Every person, who lives in Switzerland, must have at least standard basic health insurance. This type of insurance is offered by all Swiss health insurance companies. With this insurance you can contact any doctor that you need.
The GP Model
Getting this type of medical insurance you will have to contact your GP whenever you are ill (excluding emergency situations). The GP will send you to the specialist if needed.
The HMO (Health Maintenance Organization)
Getting this type of medical insurance you must contact the certain doctors at an HMO centre whenever you are ill (excluding emergency situations). The doctor gets paid a flat monthly rate. So, he/she receives monthly payments for all treatments you get.
Obtaining this insurance you will have an opportunity to get the consultation by phone before even going to the doctor. So, by calling information line you will be able to get all the necessary information. You can be advised to go to a doctor or will be sent to hospital if necessary.
Expats Can Make Use of Private Healthcare
Public basic healthcare system in Switzerland provides expats with all the necessary facilities. However, you can also use private healthcare facilities. But you should keep in mind that your medical insurance doesn’t cover these costs. So, you will need to pay for these medical services.
Terminating Medical Insurance policy
Have you decided to leave the country? You can easily terminate your medical insurance anytime. All that you need to do this is to prove your deregistration. Then your medical insurance policy will be terminated.