FAQ – Frequently asked questions
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.
Your basic health insurance covers treatment abroad only in the event of an emergency. Voluntary treatment is not reimbursed.
- In EU/EFTA countries, emergency medical expenses are covered by the basic health insurance, upon presentation of the European Health Insurance Card (back of your insurance card), under the conditions provided for by the social system of the relevant country. However, you remain subject to the local cost-sharing amounts, which may be higher than in Switzerland. Mundo supplemental insurance refunds the corresponding amount.
- In countries outside the EU/EFTA, emergency medical expenses are covered by the basic health insurance, up to twice the amount that would have been paid by the insurer if the treatment had taken place in Switzerland (200% of the Swiss rate for outpatient treatment and 90% of the Swiss rate for inpatient treatment). Supplemental coverage, such as Mundo insurance, is especially recommended for the USA, Canada, Japan and Australia, where medical services are very expensive compared to Switzerland.
It is recommended to have Mundo supplemental insurance for Russia and outside of Europe, particularly in the USA, Canada, Japan and Australia, where medical services are very expensive compared to Switzerland. You are entitled to CHF 100,000.00 per calendar year in addition to the basic health insurance. The insurance will also allow you to benefit from assistance abroad during your entire stay.
Groupe Mutuel Assistance is at your disposal 24 hours a day on +41 848 808 111. You will be put in contact with an agent at the head office of Allianz Global Assistance, our partner for emergency healthcare abroad.
Please state your name, date of birth, the nature of the illness or accident, your location, as well as the address and telephone number where you can be reached.
If you have supplemental health insurance coverage, you will find the contact details for international 24-hour assistance on the back of your LCA/VVG insurance card.
If you have subscribed to Mundo coverage, you may request repatriation provided it is organised by Groupe Mutuel Assistance. Repatriation refers only to transport from a hospital abroad to a hospital in Switzerland.
Without Mundo coverage, the repatriation is a medical decision that can only be made by Groupe Mutuel Assistance, our assistance partner.
The European health insurance card, which is on the back of your LAMal/KVG insurance card, intends to simplify your access to medical care in case of medical necessity, during stays in European Union member states, Iceland, Liechtenstein and Norway.
Please note that intentional treatment is not covered.