Our answers to the most frequently asked questions
You can find here the answers to our insured members’ most frequently asked questions.
Simply click on your subject of interest.
If you only have basic insurance, you can be admitted to the clinic providing you stay in a general ward and that the hospital is listed by your canton of residence (Art. 41, para. 1bis LAMal/KVG).
If not, you must have supplemental insurance to cover the costs of a semi-private or private room.
You are reimbursed for standard hospital care in a general ward up to the rate applicable for this treatment in a hospital listed by your canton of residence (Art. 41 para. 1bis LAMal/KVG). There will be no additional charges if the hospitalisation is due to an emergency or medical necessity (i.e. if the benefits cannot be provided in the canton of residence).
However, if you wish to be hospitalised in another canton for personal reasons, the difference between the reference rate of your canton of residence and that of the facilities where you were hospitalised is entirely at your expense or at the expense of a possible supplemental insurance policy.
The medical interest is paramount and we suggest that you choose a medical facility together with your doctor. You can contact us by phone on 058 758 44 44 to check whether the medical facilities chosen have a partnership agreement with us or not. Groupe Mutuel has agreements with most hospitals and clinics in the canton of Lucerne and in Switzerland.
No, this situation should not affect our usual reimbursement deadlines. We will make every effort to refund any amounts as soon as possible and notify you in the event of a significant delay.
Yes, the hospital is entitled to ask you for a deposit.
The deposit remains payable by the insured person. Groupe Mutuel will provide the hospital with a guarantee of coverage. In most cases, this will prevent the insured person from having to pay a deposit.
No, termination is only possible under the terms and conditions of your current insurance contract. Any changes in partner facilities do not allow the insured person to terminate the supplemental hospitalisation insurance contract outside of the terms and conditions of the said contract.