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 firstname.lastname@example.org. email@example.com.
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)
Your personal monthly premium (in CHF) can be found on your premium statement.
This is printed on your personal insurance policy or insurance card.
Anyone aged 14 and over who has an active insurance policy.
You can register with a number from the EU.
Users are automatically blocked after several attempts at registering if the data are not correctly entered. Access is unblocked automatically after 60 minutes and you can start registering from the beginning again.
Yes. Go to Account Settings and click on “Delete user account”. From this point onwards you will receive your documents exclusively in paper format again.
Registration is not possible until the start of insurance. The data cannot be viewed until the start of cover.
You can do this yourself under Account Settings --> “Delete user account”.
On the login screen, click on “Forgotten your password?”.
You can unblock yourself again after being blocked. The message “Unblock access” appears. Please follow the instructions.
Yes, you can adjust your username yourself under Settings.
The security code can be copied and adopted “from the messages”.
- Tap “Security code” field
- Tap “From messages” and the security code will be adopted
- Tap “Login”
Your account will be terminated automatically after a 90-day period.
Only limited functions remain available in myEGK after departure. You can only submit documents.
No. You must be able to provide us with the originals upon request.
You can submit ALL documents.
To be able to see your entire family you need to be stored in the system as head of the family. Unless this is the case, you can only see your own data.
You can use myEGK anywhere in the world. You simply need to be registered and to have an Internet connection.
The portal supports the web browsers Edge, Chrome, Safari and Firefox on the Windows and MacOS operating systems.
With the agency responsible.
If you wish to adjust the payment details, you can do this via a “simple request”.
The app also works on an iPad but we recommend using the portal on iPads.
Your insurance card can only be found on the app and not on the portal.
You always need an Internet connection to use the app.
You must make sure when scanning that your mobile phone is held still in your hand. The scanning process functions automatically. You’ll find “Scanning instructions” in the app under the menu.
The app can only be found in the Swiss app store.
No, this is only possible on the portal.
The app supports iOS and Android (current version -2). For example, as of 2021 iOS 14.x --> support up to iOS version 12.
No, only one document (with multiple pages) may be sent per dispatch.
The document may only concern one person.
There are two possible reasons:
- Viewing and downloading are not possible until after the time of registration.
- Document viewing and downloading are only possible after archiving.
The portal can only be used in combination with a mobile phone. You receive the security code required for accessing the portal on this device, thereby facilitating two-factor identification.
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).
Yes, the username and password are stored with this. For reasons of data protection, a security code additionally has to be entered (two-factor authentication).
This error message can have several causes:
- Poor quality
- Document incomplete
Document dispatch is automatically set to “electronic” upon registration. Subsequent documents (policies, premium and benefit statements, tax statements, payment reminders and admonitions) will then be sent electronically. Insured persons additionally continue to receive payment reminders and admonitions by post.
Both documents are sent electronically and by post.
ASR checks are printed on paper only and sent by post. They cannot be found on myEGK.
No, only documents from the date of registration are shown.
Virtual insurance card
Your Vicard can be found in the myEKG app under “Mein Versicherungsschutz/Karte” [My insurance cover/card].
- Register at the doctor’s surgery or hospital by scanning the QR code.
- Have the barcode on your virtual insurance card scanned at the pharmacy, hospital or doctor’s surgery.
- Register at the doctor’s surgery or hospital by scanning the NFC code provided.
No, for security reasons, the virtual insurance card is only integrated into the myEKG app.
Press the "Hamburger" button at the top left. Then press "Contact". There you will find the SOS number.
Your question could not be answered? Our employees at the agencies are happy to help