As you likely know, if you plan to stay in Switzerland for longer than three months, you will need to have health insurance. You cannot live and study in Switzerland without it. Your health is also at risk if you have to leave the country. What do you know about the benefits of health insurance?
Student Health Insurance Plans
The first thing to remember is the fact that international students have access to student health cover switzerland. You can find the right insurance plan, no matter what your level of study, whether you’re a Bachelor or Master student in Switzerland or an exchange student who wants to spend some time here as part of an exchange program, Interns looking to gain practical experience, au pairs wanting to learn the language and culture of another country, or students researching new areas. Students’ insurance plans can also be used if you have children or a spouse.
Compliance with the law and coverage
It is important to remember that insurance for health can be costly and that premiums change from one insurer to another, as well as from one canton to the next, depending on the coverage chosen. When comparing Swiss health insurance plans, it is important to remember that they must adhere to the laws that govern basic student health insurance coverage switzerland.
Different Benefits
The next thing you need to know is what benefits your basic insurance coverage covers. Inpatient and outpatient care are the two types of care that are covered. The first refers to hospital stays, while the second to ambulatory treatments. The following services are included in the KVG/LAMal, but only if they are prescribed by a doctor. A basic insurance policy includes medical assistance and devices, analyses, medication and medical aids to assist you in your recovery, legal abortion, emergency dentistry treatment, and medical prevention. If you are injured while traveling in another country, the same applies to emergency treatment abroad.
Here are some things you should know
Be aware that not all benefits offered are 100% covered. Many people are wrongly told. It is important to carefully read the contract conditions of your insurance company to avoid disappointments in the future. You won’t be surprised or upset if you have to pay for expensive treatment. You will also need to pay an additional fee, beyond the insurance premium. The so-called franchise (or deductible) is also required. It is a sum of money you must pay each year for your medical treatment. This means that you will have to pay for medical treatment costs out of pocket up to the deductible. The insurance company will only pay you if this amount is reached.
