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Coronavirus: key points in brief

Travel insurance

For information about your planned trip, please contact Allianz directly at:

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In practice, it will probably be difficult to attribute a disease causally to vaccination. However, this is not relevant in this context. If an illness occurs - irrespective of whether it can be attributed to a vaccination or not - it is covered by the basic insurance, taking into account the cost sharing (franchise and deductible) (Art. 25 KVG).

For a certificate, you need a rapid antigen test or a PCR test. These tests can be done in test centres, hospitals, doctors' surgeries or pharmacies. This differs by canton and municipality. Corona home self-tests do not qualify for the certificate. With a rapid antigen test, you will have the result after about 20 minutes. With a PCR test, it takes at least one day for the result to be available.

When taking the sample, tell them that you need the test for the certificate. It is also important that you have official identification and your health insurance card with you.

For the rapid antigen test at the pharmacy or vaccination centre, you will receive the certificate via QR code by e-mail or printed out. You can scan the QR code with the Covid Certificate app so that the certificate is saved on your mobile phone. It is valid for 48 hours from the time the sample is taken.

The PCR test is usually done by a laboratory. In this case, you will receive the certificate via e-mail or printed out or directly to your mobile (transfer code). The PCR test is valid for 72 hours from the time the sample is taken.

The federal government is expected to pay for the tests until 11 october 2021. Billing will take place via the health insurance card. After that, rapid tests without symptoms will no longer be reimbursed by the federal government. A rapid antigen test costs approx. CHF 54, a PCR test approx. CHF 160. The prices can vary greatly.

Today, a patient can see a doctor or go to hospital normally, provided that he or she complies with the still-recommended health regulations. In the case of medical questions - unless they are emergencies - patients should always first contact their family doctor or health insurer and follow the corresponding instructions.

From 1 October 2021, all persons who wish to be tested for a certificate will have to bear the costs themselves. Tests with symptoms will continue to be free of charge, but no certificate will be issued for them.

As soon as the hospital capacities in the intensive care units (ICUs) reach their limits - which is already the case in some cantons - they no longer accept patients from outside the canton or even people who have fallen ill or had an accident abroad. The reasons for this are that Corona illnesses are currently on the increase and the IPS beds are already occupied elsewhere or have been reduced again in recent months. The medical assistance team must therefore clarify in advance whether an IPS bed is available, as the allocation of (and thus repatriation to) intensive care beds is carried out by the national coordination office.

Yes, but as of June 26, 2021, neither health insurance nor the federal government will reimburse these costs. You will have to pay for these tests yourself.

The pharmacy may only dispense such tests to non-vaccinated and non-healed persons. They must check this fact when ordering and inform you accordingly about the changed conditions of supply.

Since 26 June, drugstores and certain retailers have also been selling Covid self-tests, but these are not covered by either health insurance or the federal government. It is a so-called self-payer service.

The "5 Covid self-tests within 30 days" rule does not apply per purchase channel, but per 30 days - regardless of the purchase channel. After a purchase of 5 Covid self-tests, you must wait 30 days in any case until the next free purchase of Covid self-tests. This applies regardless of whether you buy the tests physically from the pharmacy or order them online from the pharmacy and have them sent to you.

In principle, vaccination is free of charge or paid for by the Confederation, the canton and health insurers. However, if a consultation takes place before or after the vaccination in the vaccination centre or in the case of a vaccination by the family doctor, this consultation is not free of charge and falls under the cost sharing of the insured person.

As an EGK-TelCare-insured person, prior information to Medgate is necessary in order not to be sanctioned afterwards because the insurance conditions have not been complied with. 

Yes, a time window is necessary because both the Covid vaccination and the Covid test involve a medical service that requires such a time window.

No, neither the federal government nor the health insurers cover such costs if it is a PCR test. If a rapid antigen test is sufficient, it is covered.

Yes, but the health insurance company will charge the customer for getting them in advance. The state prohibits goodwill gestures and the reimbursement of customers who obtain self-tests in advance.

The health insurance company will pay the bill submitted by the chemist and pass on the amount paid to the customer.

The health insurance company or the state cover the cost of 5 self-tests within 30 days (not a month).

Self-tests can only be dispensed by chemists. Otherwise, only self-tests that have been independently verified by the FOPH may be dispensed.

The state will only cover the cost of a COVID-19 test if the test is carried out in Switzerland by a recognised service provider.

Anyone who has to be tested abroad will be reimbursed the costs through the mandatory health insurance scheme if they cannot be reasonably expected to make the return journey to Switzerland or in case of emergency, less cost contributions and in accordance with the conditions of Art. 36 of the Swiss Health Insurance Ordinance (KVV). Anyone who has supplementary insurance with the EKG will be reimbursed any difference in costs through the supplementary insurance scheme.

If the test centre has its own doctor and has been assigned a ZSR number as a group practice/doctor rather than as a test centre, it may charge for an in-depth doctor–patient consultation. All other test centres without their own doctors are not allowed to charge for a doctor–patient consultation. Such invoices will be rejected by us.

Treating side effects is the same as treating illness. The costs are covered by mandatory health care insurance, minus deductibles and excesses.

Until there are enough doses of the vaccine to immunise the entire Swiss population, COVID-19 vaccinations are reserved for residents of Switzerland.

The cantons are responsible for vaccination. On the canton’s website you will find information about the local vaccination programme and how to register. A list of cantonal websites can be found at

You can register through your doctor, pharmacist or a trusted person. You can also register yourself. Your registration will be forwarded to your local vaccination centre and you will be scheduled an appointment for the vaccine. Your appointment will be confirmed.

Those most at risk due to a chronic illness may be asked to provide medical proof on arrival at the vaccination centre.

No, you are free to choose where you want to be vaccinated. The collective agreement applies throughout Switzerland. This means that the vaccination is independent of place of residence or place of current treatment.

In exceptional cases it is possible for a person to register without an insurance card number (e.g. if they’ve just moved here from abroad). In this case, they should contact their local vaccine hotline to find out if it is possible to register without an insurance card number. This is possible in the canton of Lucerne, for example. However, the policyholder must have a card at the time of their vaccine appointment.

Our agency must be able to ascertain whether an insurance card has been issued/ordered. It usually takes 14 days to produce and send out an insurance card. If any of the details provided are incorrect (name, date of birth, etc.), this can lead to delays and the policyholder being contacted.

The vaccine is essentially free of charge. The health insurance company pays part of the cost of the vaccination, the state and the cantons the rest. This works out at CHF 24.50 per vaccination.

What matters are the services listed on the doctor’s bill. Vaccination bills may not be sent to the policyholder. Only consultations or other medical services may be billed to the policyholder. If a separate consultation takes place with the doctor in the doctor’s surgery for people of high risk or if an examination is necessary, this additional expense can be billed according to TARMED. Even if this additional expense is covered by basic insurance, it is subject to cost contributions (deductibles and excesses).

Moreover, the cantonal governments are free to agree with the cantonal medical associations on additional compensation above the CHF 24.50 per vaccination.

What matters are the entry restrictions of the country you are travelling to. Before travelling, always check directly with the embassy or consulate of your destination country to find out what restrictions are in place due to the coronavirus. These can differ from country to country and change at very short notice.

Swiss entry restrictions apply on your return to Switzerland. Switzerland’s list of risk countries can be found here:

Since 7 April 2021, you can obtain self-tests in pharmacies. You can obtain 5 tests free of charge within 30 days. You must show your health insurance card when doing so. The pharmacy will bill your health insurance company directly for the tests you have purchased. If you obtain more than 5 self-tests in one month, you will have to pay for these additional tests.

You may find more information about the self-test here.

The Corona vaccination is free of charge for the population. The cantons and health insurers have now agreed on the billing and payment modalities. The cantons pay the patients' co-payment and, together with the Confederation, finance logistics, organisation and infrastructure. The compulsory health insurance (OKP) bears the costs of administering the vaccine dose and covers CHF 5 per vaccine dose. If the vaccine dose is more expensive, the Confederation pays the rest.

From 1 February the federal government will also assume the cost of vaccinations carried out by pharmacists, on the same conditions as in vaccination centres. This means that the cantons can include pharmacies in their vaccination programmes.

As of June 25, 2020, all costs for tests will be covered by the federal government if at least one requirement of the FOPH's sampling strategy dated June 24, 2020 is fulfilled (see FOPH fact sheet). This solves the problem that up to now not all cases have been treated equally: If the costs were covered by compulsory health insurance, the test subjects had to pay a deductible rate and excess. If, on the other hand, the cantons paid for the tests, the test persons did not incur any costs. This meant that there was a risk that persons would not be tested if they had to bear the costs of the test themselves.

The Confederation covers the costs of both tests for coronavirus infection and serological tests for the detection of antibodies. The Confederation reimburses the test for the SARS coronavirus-2 with a flat rate of 169 francs, and that for the detection of antibodies with 113 francs. The test criteria of the Federal Office of Public Health apply. Serological tests are not yet recommended.

Since 2 November 2020, rapid antigen tests for the detection of corona have been approved throughout Switzerland. Rapid antigen tests can be done in test centres approved by the respective canton, in hospital, at the doctor's and in numerous pharmacies, i.e. they must be done by a specialist. The rapid test should be done if you have symptoms or have been alerted by the SwissCOVID app, do not belong to a risk group, do not work in healthcare with direct contact to patients and are treated as an outpatient.

The test consists of a nasopharyngeal swab. The test result is available about 15 minutes later. The rapid test costs 25 Swiss francs, plus the costs of processing the order and taking the sample. If you have symptoms or have been alerted by the SwissCOVID app, the Confederation will cover the costs of the rapid test, including processing the order and taking the sample.

A negative test result does not exempt you from the obligation to wear a mask, to keep your distance or to take any other applicable protective measures.

Contact / information

You can find all you need to know about the coronavirus on the website of the FOPH:

FOPH infoline: 058 463 00 00 (24-hour)

Here you can clarify any symptoms online:

Clarify symptoms


If you wish to clarify your symptoms, please contact 0800 800 735 (24-hour).

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