Premiums
Find here under the premiums for students.
Premiums for students & researchers
Age | Premium | Deductible |
|---|---|---|
01-31 | CHF 72.00 | CHF 500 |
01-31 | CHF 86.50 | CHF 300 |
32+ | CHF 86.50 | CHF 500 |
Payment rate : quarterly | semester | annual
What is the franchise (deductible in English)
The deductible refers to the amount of money that the insured would need to pay before any benefits from the health insurance policy can be used. This is usually a yearly amount (calendar year in Switzerland). After a calendar year, the deductible would be in effect again. Some services, like maternity or pregnancy, may be available without meeting the deductible. Usually there are separate individual deductible amounts.
The deductible of the Swisscare Student and researcher plan are mentionned here up and depends the choosed premium.
Example of using a deductible of CHF 300
Peter totalized in the year 2009 CHF 700 of medical bills (General practicioner and medicine) He is less than 32 year old and choose the premium of CHF 86.50. The Franchise for this premium is CHF 300 for the calendar year.
In this example the comany refund on Peter's bank account CHF 700 - CHF 300 = Total of CHF 400.
The completed claim form, all itemized bills, statements and receipts must be sent to the claims administrator (address on the claim form).You can follow this procedure for each time your receive a bill or group your bills and send at once.
