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How to claim ?

For your medical bills and all bills in connexion with your insurance, please  :

1) Fill out the claim form

Downloads2) Enclose your original bills

3) Enclose all copies of payement of your bills

4) Enclose the medical prescription

5) All original documents in connexion with your claims

 

Send to this address :

 

Europäische
Swisscare Claim
Steingraben 28
Case postale
CH-4003 Basel 

 

 

I have no credit card. Can I pay with bank transfer ?

Yes, you only have to buy online and select bank transfer. You  will then receive a copy of order and also our IBT account number.  IBAN, BIC/SWIFT and also the whole bank and beneficiary information.

Can I cancel the insurance before departure ?

Yes, If for any reason you have to cancel your insurance before the start date (effect date) of the insruance, Swisscare refund the premium on credit card or bank account. A cancellation fee can be requested. Contact our support center by email and request the cancellation.

Is the plan valid in another country as the first destination ?

Yes, on the certificate, you can find your first destination. But this plan covers you also for trips around the world so long you are eligible for the plan.

Do you refund the money if I finally not travel abroad ?

Yes, we refund to the credit card the amount of the premium. A tax of EUR 20 is for administrative fee for Swisscare.

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What is the Swisscare FSS plan

From the 01.01.2010, the FSS plan is a health and accident insurance that covers exactly the same benefits of the Swiss health insurance law KVG-LAMal.

• No medical questioner
• No general limitation
• Previous conditions are covered
• Benefits list of KVG and all his different laws are covered

In the past, the FSS plan (Old name ESI) was not 100% in accordance and gave sometimes troubles to our customers for the coverage of pre-existing conditions.

From 01.01.2010 the name changed to FSS and covers since the same benefits as a Swiss national.

Is another social insurance nécessary

No, if the cantonal authorities has exempt you from the regular Swiss social security KVG-LAMal, the FSS plan covers exactly the same benefits as the Swiss social security. You dont need to purschase another social insurance.

Are previous conditions covered

Since the 01.01.2010 SWISSCARE Plan FSS is full in accordance with the Swiss health insurance law. That means that also previous conditions must be covered.

Advantage of the FSS plan

• Premium From CHF 72 | month 
• 100% benefits of the Swiss health insurance law KVG-LAMal
• No medical questioner nor medical declaration
• Fast online application
• Coverage abroad
• Medical evacuation and repatriation worldwide
• Assistance

No medical questioner

The FSS plan require no medical questioner

Who can apply the insurance

Foreign students, researchers, interns, postdocs, phd, au pair, trainee, language course, professors.

Family members can apply the "Swiss national health scheme" click here

Is your insurance plan recognized in Switzerland

Foreign students, researchers, interns, au pairs, PHD's, Postdocs, staying temporarily in Switzerland can be exempted, on special request form, from the Swiss state insurance company if they can provide an international insurance who covers at minimum the same benefits as the Swiss health insurance law, Swiss national healthcare system. (OAMal art. 2.3 and 2.4)

The duration of the exemption is 3 years and can be prolongated for 3 years more. (follow Swisscare procedure online)

Swisscare provide through his internet website, an international health insruance plan that covers integrally the benefits of the Swiss health insurance law and also the conditions of admission of the Swiss health insurance law. Means that the requirements for the authorities are fullfilled in order to benefit of this insurance.

The advantage is that you can be insured with a very affordable premium, with at minimum the same conditions and coverages as a Swiss resident.

 

What is a Franchise

The Franchise (Deductible) is the amount that you support self once per calendar year for paying your medical fees. All what is over the Franchise will be refunded if it is covered in the benefits list of the Swiss health insurance law KVG-LAMal.

The Franchise in the FSS plan can be CHF 500 or CHF 300 depending your selected plan.

The Franchise can be changed once per year on the 01.01. Simply send a letter at latest 3 months before the end of the calendar year.

How to claim a medical bill

1) Pay all your medical bills (exception maternity and in-patient treatments)
2) Fill out the claim form - download here
3) Enclose all original bills
4) Make a copy of all the files for you
5) Send to :

Europäische
Swisscare Claim
Steingraben 28
Case postale
CH-4003 Basel

Claim : difference between ambulatory treatment | stationary treatment

Ambulatory treatments (Out-Patient)

Outpatient surgery, also known as ambulatory surgery, same-day surgery or day surgery, is surgery that does not require an overnight hospital stay.

Stationary treatments (In-Patient)

Inpatient care is the care of patients whose condition requires admission to a hospital. Progress in modern medicine and the advent of comprehensive out-patient clinics ensure that patients are only admitted to a hospital when they are extremely ill, have had an accident or severe trauma.

My claims are not paid within 30 days

Swisscare reputation is the claim service. Since we cover the Swiss health insurance law from 01.01.2010, our claim service is recognized for his high quality of service and the fast reimbursments.

Note that ERV (Europäische Reiseversicherungs AG) is our claim company based in Basel. The correspondance will come under ERV.

If you not receive your reimbursments within 30 days after the date you sent the claims, this can be sometimes due to a charge of work depending the period during the year or simply because a doctor has not answered to one of our questions.

We advice :

1. Wait 10 days more and then send an email to
2. info(at)swisscare.ch
3. We need the date which you sent your claims
4. Swisscare will give you an answer within 24h-48h max

Note that in the FSS plan, a Franchise is applied like the Swiss health insurance law. This can be CHF 300 or CHF 500. The Franchise is an unique amount that you support self once per calendar year for all your medical fees (except maternity).

Unispital Zurich info

Swisscare has an agreement with the Unispital Zurich for all in-patient treatments. This means in case of an admission, you dont have to pay anything.

However, for a routine treatment or out-patient treatment by the Unispital Zurich gynecologist or other specialists, they can request a deposit than can goes up to CHF 500. We recommend to avoid a deposit, to choose a private doctor  or specialist. Go on www.doctors.ch and find here the practicioner that you need.

What is the age limit ?

This insurance plan has no limitation of age.

Can I pay with credit card

This insurance plan is under the Swiss health insurance law. For this reason we have to send you a regular bill by post. However, you have enough time to pay. 30 days after reception of the payment slip. The exact delay of payment is on the payment slip.

I choose 3 months payment rate. What it is exactly ?

If you choose 3 months payment rate, this is the cadence of receiving your bills. Means that if you choose 3 months payment rate, you will receive automatically every 3 months a new payment slip.

 

Do not confuse between payment rate and annual renewal. The annual renewal is every year on the 01.01. like the Swiss health insurance law.

What is the renewal date of the ESI Switzerland plan

Like the Swiss health insurance law, the renewal of the contract is always once per calendar year on the 01.01.

Do not confuse the renewal date and the payment rate. So long you have a valid residence permit in Switzerland and are exempted by the cantonal office thanks your Swisscare insurance, you have to continue the insurance obligatorily up to the 31.12 of every years. Cancellation is possible if you send a registered letter 3 months before the end of the calendar renewal date of 01.01. Make sure that your letter is sent at latest 30.09.  (stamp date of the registered letter). This is very important. If the stamp is after this date, you are forced to continue on year more the insurance.

EHIC (European health insurance card)

The European Health Insurance Card (or EHIC) allows anyone who is insured by or covered by a statutory social security scheme of the EEA countries and Switzerland to receive medical treatment in another member state for free or at a reduced cost, if that treatment becomes necessary during their visit (for example, due to illness or an accident), or if they have a chronic pre-existing condition which requires care such as kidney dialysis.

The intention of the scheme is to allow people to continue their stay in a country without having to return home for medical care; as such, it does not cover people who have visited a country for the purpose of obtaining medical care, nor does it cover care, such as many types of dental treatment, which can be delayed until the visitor returns home.

It only covers healthcare which is normally covered by a statutory health care system in the visited country, so it does not render travel insurance obsolete.

Thanks the EHIC, you dont need to apply a state insurance in Switzerland also the international student & researcher health insurance plan provided through Swisscare is not necessary.

The card was phased in from 1 June 2004 and throughout 2005, becoming the sole healthcare entitlement document on 1 January 2006. The card is applicable in all French dependencies (DOM) as they are part of the EEA, but not all other self-governing territories such as Jersey or Aruba which are not.

It replaced the following medical forms:

 

• E110 - For international road hauliers
• E111 - For tourists
• E119 - For unemployed/job seekers
• E128 - For students and workers in another member state.

 

 

Form E106 | Information

The Form E106 is a certificate of entitlement to health care in another EEA country for a limited duration. The form and the health cover are provided courtesy of the social security authorities in your home country.

With the international private student health insurance plan provided through Swisscare, you are not entitled to send us this Form E106.

Swisscare cannot fill out this form E 106 as this is only possible if you are insured in a Swiss state insurance plan. Ask more information to the social security authorities in your home country.

 

 

I need an offer to present to the embassy

You can in this case apply online here. You receive by email then a copy of order which you can present to the different embassies or authorities. Dont forget to put a Swiss address or university or working address.

What is the duration of the contract

The duration of the contract is always until 31 December every year. The date of renewal is 01 January. Dont confuse the payment rate of 3 months, 6 months or 12 months. The payment rate is not the duration of the contract.

What are the different cancellation possibilites

If you leave Switzerland

Send us a cancellation letter and a departure confirmation from your Municipality / Community. You can scan this both documents and send us by email.

If you are no more student or researcher

Send us a cancellation letter and a copy of the contract that you have with the new employer or certificate from university informing your departure.

If you want change the company without reason

As this contract is underlined to the Swiss social security system, you can cancel one time per calendar year, for  the 31.12. Means that you have to send a cancellation letter 3 months before the annual renewal of the insurance. Attention, if the letter is sent after the 30.09 (post stamp is important) we cannot accept the cancellation and the contract is renewed for one year more.

Do you have a list of Swiss Universities ?

Find here under the list of the Swiss universities. But Swisscare offer the ESI Switzerland plan not only for universities but also for private schools, individuals, research institutes and private companies ....

• University of Basel 
• University of Berne
• University of Fribourg 
• University of Geneva
• University of Neuchâtel 
• University of Lausanne 
• University of Lucerne
• Università della Svizzera Italiana 
• University of St. Gallen 
• University of Zurich 
• ETH Zurich (Swiss Federal Institute of Technology Zurich)
• EPFL (Swiss Federal Institute of Technology Lausanne)
  
• Lucerne University of Applied Sciences
• Zurich University of Applied Sciences