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Every person residing in Switzerland is required to have a health and accident insurance or to obtain the relevant exemption (see below) within three months of entry into Switzerland. Compulsory health insurance covers the costs of the medical care in case of illness or accident.
Upon registration at the regional foreign office, students will receive two official letters requesting to apply for health insurance by a specific date. If the terms are not met, or exemption is not obtained, an insurance will be assigned as a matter of course at the discretion of the respective authorities.
Under certain conditions, students may be exempted from contracting compulsory health insurance in Switzerland.
This applies in particular to:
Forms for exemption request:
The completed form, together with a copy of the European Health Isurance Card (issued by the insurance company in the country of origin), shall be sent to the following address:
Advance payment of fees in case of exemption
In the event of an accident or a health problem, the student that has been exempted from the Swiss insurance will be required to pay the expenses in advance (cash or credit card). Reimbursement - with the appropriate deductions - may be requested by sending a copy of the invoice and the European Health Insurance Card to the following address:
Istituzione Comune LAMal (Gemeinsame Einrichtung KVG)
For information: www.kvg.org
Students who maintain residence in their home country - such as Italian students living close to the border who return home every evening - must request information on the regulations in their country.
These students can receive emergency treatment in Switzerland, but will need to return to their home country for further treatment or if unable to cover the costs.
Compulsory health insurance benefits (as defined by law) are the same for all insurers. Students are free to choose their own insurance company. Monthly premiums vary between CHF 200 and CHF 450 depending on age, place of residence and premium. It is recommended to compare offers before signing an insurance contract.
Some insurance companies offer special packages for foreign students.
USI has agreed, through CAST Consulenza Assicurativa Ticino SA, a group insurance policy for illness and accidents with Groupe Mutuel. The particularly convenient policy is named “Academic Care”, and it is valid only for extra-EU/EFTA students aged below 35.
Extra-EU/EFTA students admitted to one of USI’s study program who are willing to subscribe to Academic Care will receive further information about the admission procedure by e-mail at the beginning of the semester. Academic care monthly fee is 105 CHF and will be paid in two yearly installments, one per semester.
More information in the detailed article.
Foreign students applying for a reduction on the compulsory health insurance premiums, according to the legislation concerning foreign individuals must be aware that, by doing so, they automatically show that they lack the financial means required to support themselves in Switzerland during their studies, and therefore their permit B or L may be revoked or negated by the relevant Cantonal authority.