The basic health insurance
COMPULSORY BASIC HEALTH INSURANCE
Compulsory health insurance enables all Swiss residents to benefit from health care and guarantees medical treatment in the Canton of residence.
ВReimburses the costs of basic health care in the event of an accident or illness. Each insured person pays the so-called "premiums"to the insurance company every month. In addition, in case of illness, the insured participates in the payment of additional treatment. This " participation "consists of 2 components: franchise and"personal participation".
Franchise - is the annual amount that you pay yourself, if you contact a doctor, thus takes over part of the costs themselves. The minimum annual deductible for an adult is 300 francs, for children 0 francs. You can choose 500, 1000, 1500, 2000 or 2500 francs and for children 100, 200, 300, 400, 500 and 600 francs. Insurance companies are not obliged to offer a choice of all amounts of the franchise. We are able to offer.
The amount of the deductible for the adults and young (19 to 25) may be different. Change is possible once a year until the end of November at will. The new contract shall enter into force on 1 January of the following year. By choosing a higher deductible You pay a lower premium and Vice versa.
After the deductible is paid, your participation in the payment of further treatment will be 10% of its value, but not more than CHF 700 for the calendar year for adults and CHF 350 for children under 18 years.
In health insurance companies in Switzerland there are different models of the basic (compulsory) insurance. All of them comply with the law on health insurance:
- Standard model: free choice of doctor.
- Family doctor: in case of illness, an initial visit to the family doctor is required.
- Health center: in case of illness, the first visit to the health center.
- Telephone: in case of illness, initial telephone consultation with the insurance company is mandatory.
THE ACCIDENT INSURANCE
Persons working in Switzerland for 8 hours or more per week for one employer are automatically insured against accidents. All the rest are recommended to enter into this special health insurance. Accident insurance is compulsory for children and adolescents.
Basic (compulsory) insurance guarantees in the hospital ward designed for six people, and the service is a physician assistant. Note: the Content in the hospital in 1-, 2-bed houses, free choice of doctor or clinic in any region of Switzerland, regardless of their place of residence, provide appropriate additional insurance.
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