Persons insured in Switzerland and domiciled abroad can receive treatment both in Switzerland and in their country of domicile. The regulations governing their participation in treatment costs vary depending on the country in which treatment is administered.
Treatment administered in Switzerland
Cost participation rules under Swiss law apply. Further information can be found on our website page on cost participation by policyholders domiciled in Switzerland.
Treatment administered in the country of domicile
Form S1 (previously forms E106 / E109 / E121) will be provided by the insurer. This permits the policyholder and/or members of his family to enroll with the health insurance institution of their country of domicile in order to benefit from healthcare treatment which is then charged to their health insurer in Switzerland. Participation in treatment costs is determined in accordance with the laws of their country of domicile.
Treatment administered in another EU/EFTA country
The European Health Insurance Card (EHIC) issued by the health insurer entitles the policyholder to receive medical treatment in the event of illness, accident or maternity to the extent that such treatment is medically necessary given the nature of the condition and length of his or her intended stay in the country. Cost participation by the policyholder will be in line with the regulations in the country where treatment is administered and must generally be paid immediately. Swiss cost-participation rules do not apply in these cases. The cost participation paid in an EU/EFTA country is also not included in the deductible or excess in Switzerland. For more information, see the Common Institution under the KVG website page “Participation in treatment costs during a stay in an EU/EFTA country”.
Treatment administered abroad (in a non-EU/EFTA state)
Persons temporarily visiting a country outside the EU/EFTA are entitled to receive reimbursement of the cost of emergency treatment (for illness or accident, in cases where a return to Switzerland is not possible for medical reasons) up to a maximum of twice what would have been paid for the same treatment in Switzerland. Cost participation is governed by Swiss law. Further information on this can be found on our website page on cost participation by policyholders domiciled in Switzerland.
Other medical treatment administered abroad is not, in principle, covered by basic Swiss health insurance.
Complementary private insurance
Medical costs in certain countries outside the EU/EFTA (e.g. the US, Canada and Japan) are very high. Cost participation rates in certain EU/EFTA countries (e.g. France) are higher than in Switzerland. It is therefore advisable to take out travel insurance to cover possible cost participation charges and medical expenses over and above those paid for by Swiss basic health insurance.
Last modification 18.02.2019