Since Jan. 1, 1996, basic health insurance has been mandatory for all persons living in Switzerland. Basic insurance benefits are determined by health insurance laws . They apply to all health insurance companies.
The insurers must admit all applicants wishing to join their basic health insurance programme. (= complete mobility).
Basic health insurance covers the risks of "illness" and "accident". Anyone who is already insured by his employer against accidents may cancel accident coverage.
Basic health insurance only covers treatment which takes place in the policyholder's canton of residence. An exception to the rule: Should the policyholder need urgent medical treatment which cannot be carried out in his canton of residence (e.g. complex operations such as organ transplants) or if he needs emergency treatment in a different canton, the resulting costs will be covered. This also applies for temporary visits abroad.
Premiums for basic health insurance differ according to the customer's age and place of residence.
- Children (under 18 years of age)
- young adults (19 to 25 years of age)
- and adults
Out of the benefits provided by basic health insurance, the policyholder must pay the so-called deductible rate and
10% retention.
Please note: Settlements made for maternity are not subject to deductible rates and retention!
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