Insurance information 

The KVG/LAMal, commonly referred to as basic health insurance, aims to provide universal health coverage for everyone living in Switzerland. No matter which insurer you choose, KVG/LAMal benefits are identical, guaranteeing equal treatment for all. Insurers are obliged to accept everyone, regardless of age or state of health, without reservations or waiting periods.

Quality of service and speed of reimbursement may vary, but coverage remains the same. A fundamental aspect of the LAMal is the deductible, which is the amount the insured must pay out-of-pocket before any reimbursement is made. Once this deductible has been reached, additional costs are covered by the insurance, with the exception of a 10% co-payment, capped at CHF 350 per year for children and CHF 700 for adults.

For example, with a deductible of CHF 300 and a bill of CHF 1,000, you pay the first CHF 300, then 10% of the remaining sum, i.e. CHF 70, with the insurance covering the remaining CHF 630. The choice of deductible can be changed annually, before January 1, with notification by November 30. It is advisable to regularly review your coverage needs with an advisor.

This insurance provides coverage in the event of an accident or occupational illness. It covers medical expenses directly linked to the accident, with no financial participation from the insured, thus guaranteeing essential protection against the unexpected.

This insurance is provided by your employer. If you have been unemployed for more than 30 days, you must take out your own insurance.

Supplementary insurance offers extended protection for treatments not covered by the LAMal, such as specific rehabilitation treatments.

They provide access to complementary therapies and may offer better terms and conditions. Check your contract for full coverage.

To be covered by basic insurance, the first physiotherapy session must take place within 5 weeks of the voucher being issued.

The voucher is valid for 3 months. It is crucial that the voucher contains all the necessary information to guarantee its acceptance.