Health insurance companies
Health insurance companies
The Swiss health insurance system is characterized by a combination of compulsory basic care and voluntary supplementary insurance, which offers insured persons comprehensive medical care and flexibility.
Basic insurance (compulsory health insurance, OKP)
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Compulsory: All persons living in Switzerland must take out basic insurance, regardless of age or state of health.
Insurers: There are numerous private health insurers that offer basic insurance, but the benefits are legally prescribed and identical.
Benefits: Basic insurance covers a wide range of medical services, including doctor visits, hospital stays in the general ward, medication, certain therapies and emergency care.
Premiums: Premiums vary depending on the canton, insurer and model chosen (e.g. HMO, family doctor model). They are independent of income, but there are premium reductions for people with low incomes .
Franchise and excess
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Franchise: Each insured person chooses an annual deductible (co-payment) that is between CHF 300 and CHF 2,500. The deductible is the amount that the insured person must pay each year before the insurance company pays out benefits.
Deductible: After reaching the deductible, the insured person bears 10% of the additional costs up to a maximum amount of CHF 700 per year for adults and CHF 350 for children.
Supplementary insurance
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Voluntary: In addition to the basic insurance, additional insurance can be taken out voluntarily to cover additional services that go beyond the basic insurance.
Benefits: Supplementary insurance may include benefits such as better hospital accommodation (semi-private or private ward), dental costs, alternative healing methods and treatment abroad.
Premiums and eligibility requirements: Premiums for supplementary insurance are independent of income, but insurers may conduct health checks and reject applications or adjust premiums based on health status.
For further details, please contact us!