Basic health insurance

The costs of medications prescribed by a doctor and listed in the List of Medicines with Tariff (LMT/ALT) and the Specialties List (LS/SL) are covered.

Alternative medical treatments practiced by a recognised doctor (acupuncture, homeopathy, phytotherapy, traditional Chinese medicine, anthroposophic medicine) are covered.

Medically prescribed spa treatments in Switzerland are reimbursed at CHF 10/day for a maximum of 21 days per calendar year.

For children up to the age of 18, the costs of glasses or lenses are reimbursed up to CHF 180/calendar year. For adults, between CHF 180 and CHF 630 per eye is covered for certain conditions only (as per the List of Medical Aids and Appliances LiMA/ MiGeL).

External and removable devices (e.g., crutches, wigs, hearing aids, etc.) are covered as per the List of Aids and Objects MiGeL).

Standard pregnancy: seven check-ups and two ultrasounds during pregnancy; delivery at home, in a birthing center or hospital and one check-up after the birth are covered.

High-risk pregnancy (as determined by a doctor): all necessary check-ups and ultrasounds are covered.

Lump sum of CHF 150 for antenatal classes offered by a hospital or midwife.

The following are covered:

• Investigations for the early detection of diseases (e.g., breast cancer screening) in certain risk groups or through cantonal screening programs in accordance with the LAMal/KVG.
• Recommended vaccinations and vaccinations administered to groups at increased risk of complications or exposure to certain diseases.
• Nutritional advice and courses as per the special cases under the LAMal/KVG.
• Gynecological check-ups: one examination/calendar year in the first two years, then one examination every three years.

Costs are covered for conditions of the masticatory system and dental accidents that are treated by a dentist.

Transportation costs are covered at 50% up to a maximum of CHF 500/calendar year.
Rescue costs are covered at 50% up to a maximum of CHF 5,000/calendar year (in Switzerland only).

Services provided by recognised psychologists/psychotherapists are covered when medically prescribed.

Outpatient treatment is covered as per the KVG/LAMal (e.g., doctor’s visits):

• In Switzerland: 100%
• Outside Switzerland: in the event of an emergency in the EU/EFTA/UK and on presentation of the insurance card, the costs are covered up to the amount that the country in which the person is located would have paid for its residents. Outside the EU/EFTA/UK, the costs are covered up to twice the treatment cost in the canton of residence in Switzerland.