Health, accidents and maternity insurance
Insurance for illness, accidents and maternity
According to the Swiss Federal Law on Health Insurance (KVG/LAMal), each person residing in Switzerland must take out health insurance or get insured by their legal representative within three months after taking up residence or after the birth of a child in Switzerland. Since the Swiss insurance obligation begins from the very first day of either arrival or birth in Switzerland, the start date of the insurance contract must coincide with that date.
Every individual can choose freely between the health insurers (health insurance companies) recognized and authorized to operate by the Swiss Federal Office of Public Health (FOPH). To access the complete list, click here.
The insured person bears part of the costs of health by paying:
The remaining costs are borne by the insurer, if covered by the chosen policy.
According to article 2 paragraph 4 of the Swiss Health Insurance Ordinance (KVV/OAMal), on request, foreign students, pupils, trainees and interns who hold the residence permit for study purposes (i.e., the one with the notation “soggiorno per formazione”) can apply for exemption from Swiss compulsory health insurance, provided that they have a policy offering equivalent coverage. The competent cantonal authority (for the Canton of Ticino, it is the Istituto delle assicurazioni sociali in Bellinzona) can exempt these people from the obligation to take out health insurance in Switzerland for a maximum of 6 years.
Foreign insurances recognized as equivalent to that required by the Swiss Federal Law on Health Insurance (KVG/LAMal) are the following:
The only exception relates to students with non-EU/EFTA citizenship who come from Germany and are insured with the German EHIC, as Germany is the only state that still covers the healthcare services obtained in Switzerland by Third-country nationals.
Foreign students who do not have any of the above-mentioned insurances are subject to compulsory health insurance in Switzerland. As an alternative to the Swiss state health insurance (KVG/LAMal), through USI they have the possibility to take out and apply for exemption with the Swiss private health insurance (VVG/LCA) “Swisscare”.
The non-subjection/exemption request form, duly filled out, signed (the signature must be original handwritten, digital signatures are not accepted) and accompanied by the required attachments, must be delivered by post to the Istituto delle assicurazioni sociali within three months from the date of entry in Switzerland. The documentation relating to "Swisscare" must instead be submitted to the responsible persons at USI in the office 350 of the main building, who, after having carried out the necessary checks, will forward it to the IAS.
Those students who haven’t received the residence permit for the Canton of Ticino by the aforementioned deadline, instead of it, can submit the Notification of arrival issued by either the Residents’ registration office or by the Migration office. The documentation will have to be completed later on with a copy of the residence permit as soon as the student receives it.
Late requests cannot be accepted and, after the period of three months from the arrival has passed, students are required to take out Swiss compulsory health insurance (KVG/LAMal) for the entire duration of their stay.
If the relevant request is accepted, the exemption is granted until the expiry date of the residence permit. Therefore, the exemption request must be renewed annually by sending, by email, the copy of the front and back of the new residence permit to the IAS.
In order to offer its foreign students basic compulsory health insurance coverage in the event of illness, accident and maternity in accordance with the regulations set by the Swiss Federal Law on Health Insurance (KVG/LAMal), but at a much lower cost, Università della Svizzera italiana has signed a collective agreement with Europäische Reiseversicherung (insurer) and Swisscare Switzerland AG (broker) for the introduction of the policy named "Swisscare Foreign Student Health Insurance Switzerland", hereinafter referred to as "Swisscare".
The costs of the Standard "Swisscare" insurance plan for USI students are the following:
The “Swisscare” insurance offer is valid for foreign students - primarily non-EU/EFTA citizens, who are enrolled in one of USI's Bachelor, Master or PhD programmes, who have not yet turned 45, who hold the residence permit for the Canton of Ticino for study purposes (i.e., the one with the notation “soggiorno per formazione”) and who do not work in Switzerland.
Applications from EU/EFTA citizens and residents are accepted only if they do not have the right to obtain the European Health Insurance Card (EHIC). In this case, they are required to submit a certificate issued by the competent authority of their country of residence specifying the reason(s) for the denial of the EHIC translated by a sworn translator into one of the Swiss national languages.
The exemption from Swiss compulsory health insurance - even thanks to “Swisscare”- can not be granted to:
They are subject to the compulsory health insurance in Switzerland in accordance with the Federal Law on Health Insurance (LAMal/KVG) starting from the day of their arrival in Switzerland and must take out an insurance policy as explained at the top of this page.
It is possible to take out the “Swisscare” insurance and submit the related exemption request to the Istituto delle assicurazioni sociali (IAS) in Bellinzona within three months from the date of entry in Switzerland.
The registration has to be done online through the appropriate platform accessible by clicking on the following link.
Please note that, since the insurance obligation begins from the day of arrival in Switzerland, the start date of the "Swisscare" insurance contract must coincide with that date.
After completing the online application form, the student will receive from Swisscare Switzerland AG the e-mails containing:
If you don’t find these e-mails in your Inbox, please check the messages in the Spam/Junk e-mail folder.
In order to have sufficient time to check and, if necessary, correct and collect the missing documents, as well as to send the exemption request to the IAS within the aforementioned deadline, we invite you to register online at the latest after (approximately) two and a half months from the date of your arrival in Switzerland.
Please be aware that late requests cannot be accepted and, after the period of three months from the arrival has passed, it becomes necessary to take out Swiss compulsory health insurance (KVG/LAMal) for the entire duration of the stay.
The insured has a free choice of doctors and hospitals among the service providers recognized under KVG/LAMal, who are licensed to provide the necessary care services in the event of illness, accident or maternity in Switzerland.
The official and comprehensive list of doctors in Switzerland is available on the web site www.doctorfmh.ch/en.
Moreover, in the MySwisscare mobile App there is a "Find a Doctor" tab where the insured can easily look for a nearby doctor.
Please note that the “Swisscare” insurance is valid in Switzerland. When the insured is outside of Switzerland temporarily, the insurance provides coverage only in cases of emergency (excluding USA, Canada and Japan) and for a maximum of double the cost of the same treatment in the canton of residence in Switzerland.
Premium billing is carried out by Swisscare Switzerland AG. As a rule, premiums are billed by semester – i.e. every 6 months, covering the period from January to June and from July to December. Payments by installments are not allowed. The payment deadline is 30 days from the date of the invoice issue.
Claims are managed by Europäische Reiseversicherungs (ERV).
The payment and the reimbursement of medical expenses are supposed to be made in the following way:
The insured person can submit the claim for reimbursement of medical expenses through his online customer account, by using the MySwissare iOS or Android App or by sending via e-mail to [email protected] the following documents:
It is possible to submit the medical claims anytime within five years after the occurrence of the event on which the obligation to provide benefits is based.
Once the request has been received, ERV will determine whether the insured is entitled to the reimbursement of the medical expenses incurred - i.e., if the health services received are covered by his policy (see the GICs) and, if so, will proceed with the payment of the due amount to the insured (after deducing the annual deductible and the co-payment).
The reimbursement process normally takes between 3 and 5 weeks.
Please note that USI will not release neither the enrollment certificate nor the diploma at the end of the studies to students who haven't paid off all their debts.
It is possible to benefit from the “Swisscare” insurance coverage, at the earliest, from the day of the insured person’s entry in Switzerland and, at the latest, until:
Please note that the event that determines the cancellation of this insurance policy is the one which occurs first.
Besides paying timely the "Swisscare" insurance premiums and the medical expenses, the insured student must inform both USI ([email protected]) and Swisscare Switzerland AG ([email protected]) of any relevant changes, such as:
For further information about the health insurance system in Switzerland and for the latest COVID-19 updates, please consult the following pages:
SWISSCARE Switzerland AG
Customer Care Unit
Europäische Reiseversicherung (ERV)
Zweigniederlassung der Helvetia Schweizerische Versicherungsgesellschaft AG
Swisscare Claims Management
St. Alban-Anlage 56
tel.: +41 58 275 27 27
fax: +41 58 275 27 30
e-mail: [email protected]
Emergency Assistance 24/7
Out of office hours and only in cases of emergency, the Insured or his Representative can contact the following number:
tel.: +41 44 655 12 59
Istituto delle assicurazioni sociali
Settore obbligo assicurativo
Via C. Ghiringhelli 15a
tel.: +41 91 821 91 11
e-mail: [email protected]
Università della Svizzera italiana
Via Giuseppe Buffi 13
tel.: +41 58 666 45 10