In some countries, costs of treatment are higher than in Switzerland, which can incur costs that are not covered by the mandatory health insurance. The additional insurance policies TOP and COMPLETA or the travel and holiday insurance provide you with security that’s inexpensive – wherever you go on Holiday.
Abroad
Unfortunately, illnesses and accident don’t go on holiday.
Planned treatment abroad (out-patient)
COMPLETA 90% up to CHF 1'000.–
You will receive 90% of costs for planned outpatient treatment abroad, up to CHF 1'000.– per calendar year. Alternative medicine and dental treatments are excluded.
PRIMEO On receipt of confirmation of cost reimbursement
You will receive the costs for the planned outpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance. The same conditions and limits apply as in Switzerland (e.g. for comfort benefits, overnight stays, free choice of doctor and hospital, etc.).
Planned inpatient treatment abroad
HOSPITAL ECO CHF 500.– per day, max. 60 days per calendar year
HOSPITAL Semi-Private CHF 1'500.– per day if you obtain an undertaking to pay costs from us beforehand
HOSPITAL Private all the costs if you obtain an undertaking to pay costs from us beforehand
HOSPITAL PLUS CHF 1'000.– per day, max. 60 days per calendar year
HOSPITAL PLUS BONUS CHF 1'000.– per day, max. 60 days per calendar year
HOSPITAL COMFORT BONUS CHF 1'500.– per day, max. 60 days per calendar year
HOSPITAL COMFORT CHF 1'500.– per day, max. 60 days per calendar year
HOSPITAL FLEX 1 CHF 500.– per day, max. 60 days per calendar year
HOSPITAL FLEX 2 CHF 1'000.– per day, max. 60 days per calendar year
You have to obtain a confirmation of cost reimbursement from us in advance.
Emergency outpatient treatment abroad
OKP
Emergency treatment in an EU/EFTA country:
In EU/EFTA countries, the European Health Insurance Card issued by your health insurer entitles you to any medical services that are considered essential, taking account of the type of service and the proposed length of your stay (doctor, hospital). Your medical insurance will cover the costs of the same medical services as would be provided to a resident of the country in question. Depending on the country, the treatment costs will either be paid by the local organization and then invoiced to your health insurer in Switzerland for reimbursement, or you will be asked to pay for the treatment and can later request reimbursement from your health insurance fund.
Emergency treatment in a country outside the EU/EFTA:
If you require emergency treatment in a country that is not a member of the EU or EFTA, for example if you become ill while on holiday, your health insurance fund will cover costs up to twice the amount that the same treatment would have cost in Switzerland. In case of in-patient treatment the insurer will only reimburse up to 90% of the costs that would have arisen for hospitalization in Switzerland (the reason: in the case of hospital treatment in Switzerland, at least 55% of the costs are borne by the cantons, which is not the case for hospital stays abroad). Additional travel insurance may be necessary for certain countries (e.g. the USA, Australia, Asia) in which treatment and medical transport is more expensive.
TOP
For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive 100% of the costs that exceed the cover provided by basic insurance.
Conditions:
- A journey home or transportation to Switzerland is not reasonable.
- You arrange for our emergency call centre to handle the organisation at every stage.
COMPLETA
For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive 100% of the costs that exceed the cover provided by basic insurance.
Conditions:
- A journey home or transportation to Switzerland is not reasonable.
- You arrange for our emergency call centre to handle the organisation at every stage.
Emergency inpatient treatment abroad
OKP
Emergency treatment in an EU/EFTA country:
In EU/EFTA countries, the European Health Insurance Card issued by your health insurer entitles you to any medical services that are considered essential, taking account of the type of service and the proposed length of your stay (doctor, hospital). Your medical insurance will cover the costs of the same medical services as would be provided to a resident of the country in question. Depending on the country, the treatment costs will either be paid by the local organization and then invoiced to your health insurer in Switzerland for reimbursement, or you will be asked to pay for the treatment and can later request reimbursement from your health insurance fund.
Emergency treatment in a country outside the EU/EFTA:
If you require emergency treatment in a country that is not a member of the EU or EFTA, for example if you become ill while on holiday, your health insurance fund will cover costs up to twice the amount that the same treatment would have cost in Switzerland. In case of in-patient treatment the insurer will only reimburse up to 90% of the costs that would have arisen for hospitalization in Switzerland (the reason: in the case of hospital treatment in Switzerland, at least 55% of the costs are borne by the cantons, which is not the case for hospital stays abroad). Additional travel insurance may be necessary for certain countries (e.g. the USA, Australia, Asia) in which treatment and medical transport is more expensive.
HOSPITAL ECO CHF 500.– per day, max. 60 days per calendar year for costs that exceed the cover provided by basic insurance.
HOSPITAL Semi-Private CHF 1'500.– per day for costs that exceed the cover provided by basic insurance.
HOSPITAL Private full cover and unlimited duration of costs which exceed the coverage of basic insurance
HOSPITAL PLUS CHF 1'000.– per day, max. 60 days per calendar year for costs that exceed the cover provided by basic insurance.
HOSPITAL PLUS BONUS CHF 1'000.– per day, max. 60 days per calendar year for costs that exceed the cover provided by basic insurance.
HOSPITAL COMFORT BONUS all of the costs that exceed the cover provided by basic insurance for up to 60 days per calendar year, provided return transportation to Switzerland is not reasonable.
HOSPITAL COMFORT all of the costs that exceed the cover provided by basic insurance for up to 60 days per calendar year, provided return transportation to Switzerland is not reasonable.
HOSPITAL FLEX 1 CHF 500.– per day, max. 60 days per calendar year for costs that exceed the cover provided by basic insurance.
HOSPITAL FLEX 2 CHF 1'000.– per day, max. 60 days per calendar year for costs that exceed the cover provided by basic insurance.