Basic insurance is legally regulated in the Swiss Federal Health Insurance Act (KVG). In Switzerland, every person bears the costs of basic insurance himself. In the case of medical benefits, each insured person must pay the costs themselves up to a fixed annual fee, which is referred to as a deductible. There is also an excess of 10 percent for costs that go beyond the deductible. This is a maximum of CHF 700 for adults, for children a maximum of CHF 350.
The higher your deductible, the lower the premium. Adults can choose the appropriate deductible levels between CHF 300 and CHF 2500, for children deductible levels between CHF 0 and CHF 500 apply.
If you are employed by an employer for at least 8 hours per week, you are insured against non-occupational accidents and can exclude your accident cover from the basic insurance. This will allow you to reduce your premium by 5 percent.
For many Swiss citizens, the health insurance premium is a big budget item. Especially small-income households can be placed under a lot of stress. Therefore, it is worth checking to see if you are eligible for a premium reduction. If you have any questions, please contact the cantonal office responsible for you.
You receive certain benefits from the supplementary insurance that are not covered or only partially covered by basic insurance. In contrast to compulsory basic insurance, the insurance company is not obligated to accept the applicant for supplementary insurance. After the medical examination, the insurance company decides on the acceptance or rejection of the application.
In accordance with Article 4b of the Health Care Benefits Ordinance (KLV), basic insurance covers five complementary medical treatment methods, provided they are performed by a doctor with the appropriate additional training. These are the following treatments: acupuncture, anthroposophic medicine, traditional Chinese medicine, classic homeopathy and phytotherapy. The doctor can provide information about whether he/she is billing under KVG. Once a natural health practitioner or therapist performs one of these treatments or other alternative treatments, additional insurance is required. The prerequisite is that the natural health practitioner or the therapist is recognised by EGK. For information, contact the SNE Therapy Office at: 032 623 64 80 or by email at email@example.com. firstname.lastname@example.org.
Deadlines and dates
- Compulsory basic insurance: Insurance changes or notices of termination must be received by the latest on the last working day in November, i.e up to 29 November, 2019.
- Supplementary insurance: Supplementary insurance can be changed or terminated in accordance with the contractual provisions. The respective terms and conditions of insurance can be found here. For premium adjustments, notice of termination must also be received by 29 November, 2019. This also applies to collective agreements, in which the information obligation lies with the collective partner.
If you pay your premium with an annual invoice, we grant you a 1% discount. With a semi-annual invoice, you benefit from a 0.5 percent discount. In order for the conversion of the payment cycle to take effect in January, notification by 29 November, 2019 is essential.
Health insurance premiums are deducted indirectly via a flat-rate deduction for insurance premiums. However, not the entire amount - this is regulated by cantonal law. But not only a part of the premiums can be deducted from the income, also the actual medical expenses. Please read the regulations in the guide to the tax return.
The insurance card is used to provide proof of KVG cover to health care providers (for example, pharmacies, hospitals, doctors, etc.) and entitles you, in an emergency, to receive health care in Europe. This guarantees that you will be treated in accordance with the rules and tariffs of social insurance in your country of residence, in case of illness and accident abroad.
The statutory regulated front side of the card contains administrative information such as surname, first name, gender and date of birth of the insured person, as well as the surname and BAG number of the health insurer. It also includes a 20-digit insurance card number (VeKa number in accordance with EU standard), as well as the 13-digit AHV number. On the front side of the card, the insured party's contact details and the emergency telephone number of the health insurer for home and abroad are indicated.
On the reverse side of the card is the European health insurance card for use in other European countries (blue reverse side) for compulsory health insurance.
This information is also stored on the microprocessor and can be read with a chip card reader.
The insured person must notify the EGK agency if the insurance card is lost. EGK agents will order a new insurance card. On issuing a new insurance card, a new insurance card number will be generated, making the old insurance card no longer valid. For more information, please contact the relevant agency.
Anyone drawing up a living will must ensure that the relevant people are notified in case of emergency. In addition to medical data, insured persons can have the fact that they have drawn up a living will registered on the insurance card – together with the storage location. Note: The health insurance company has no access to this data.
FAQ myEGK (App and Portal)
You will receive your premiums, benefit statement, policy, tax statement and from 8 May 2020 also reminders and admonitions by default electronically.
Yes. Go to Account Settings and click on “Delete user account”. From this point onwards you will receive your documents on paper again.
Your account will be terminated automatically after a 90-day period.
No. You must be able to provide us with the originals upon request.
The app is supported by iOS (current version 3) and Android, while the portal is supported by the Edge, Chrome, Safari and Firefox Web browsers.
We don’t collect any additional data which are not already in the insurance system. A protocol is kept of technical information, such as any error messages when you log in. We also have usage information to help us continue to improve.
The latest security components are used for the app and myEGK portal, and the connection is encrypted accordingly. Transactions are also protected by means of a user ID, password and PIN. We recommend that you use a suitably complex password (i.e. not a date of birth).
Your personal monthly premium (in CHF) can be found on page 1 of your insurance policy, which shows how your premium is calculated.
This is printed on your personal insurance policy.
Anyone aged 14 and over who has an active insurance policy.
On the login screen, click on “Forgotten your password?”.
A screen for self-unblocking appears after the sixth login attempt. Simply follow the steps.
App and Portal
No. From 8 May 2020, receipts and documents can also be submitted.
Yes. The app can also be used abroad.
You always need an Internet connection to use the app.
You’ll find “Scanning instructions” in the app under the hamburger menu. When scanning you should make sure that the camera is held horizontally over the document until the green frame appears. Once the green frame appears, scanning will be triggered automatically.
The uploaded PDF may contain multiple invoices of the same person. Mixing the invoices of different family members should be avoided.
Your question could not be answered? Our employees at the agencies are happy to help