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Unforeseen medical treatment - Switzerland

Emergency

Gemeinsame Einrichtung KVG
(Common Institution under the Federal Sickness Insurance Act)
Tel: +41 32 625 30 30
E-mail: info@kvg.org

Treatment & costs

Doctors

  • You can consult any doctor registered with the Swiss health insurance scheme.
  • You will normally have to pay the full cost for treatment and claim a refund afterwards.

Dentists

  • As a general rule, dental treatment is not covered.

Hospital treatment

  • You will normally be referred to a public hospital by a doctor.
  • In an emergency, go directly to the accident and emergency department of any public hospital.
  • If you are admitted to hospital, the invoice will go directly to the Gemeinsame Einrichtung KVG.
  • The Gemeinsame Einrichtung KVG covers the costs for medical treatment in a public hospital ward.
  • If you choose to stay in a private hospital or in a semi-private or private ward of a public hospital, you will have to pay for the difference.
  • There is a patient's contribution and you will have to pay a standard fee for each 30-day period of treatment (currently CHF 92 for adults and CHF 33 for those 18 and under). It is not refundable in Switzerland, but you can always seek reimbursement once you return home.
  • An additional daily contribution of CHF 15 is charged for adults (26 and older).

Prescriptions

  • Prescription medicines are covered, provided they appear on the official lists of covered medicines.

Ambulance

  • Ambulance travel is covered for up to 50% of the cost, up to CHF 500 per calendar year. The remaining costs are non-refundable in Switzerland, but you can always seek reimbursement once you return home.

Air ambulance and rescue

  • 50% of the cost of emergency rescue is covered, up to CHF 5000 per calendar year. The remaining costs are non-refundable in Switzerland, but you can always seek reimbursement once you return home.

Reimbursement

If you have had to pay for care, you can submit the original bill to the Gemeinsame Einrichtung KVG.

Gemeinsame Einrichtung KVG
(Common Institution under the Federal Sickness Insurance Act)
Gibelinstrasse 25
Postfach
CH-4503 Solothurn

Tel: +41 32 625 30 30
E-mail: info@kvg.org

Please note that a prompt and cost-free transfer is only possible if you submit the bank details (IBAN, BIC, address).

If you were unable to submit a claim during your stay in Switzerland, contact your national health insurance provider once you return home.

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