Covering the Costs

According to the Health Insurance Act (Krankenversicherungsgesetz – KVG) persons insured must pay their own contribution towards the costs arising from the medical services they have received. Their share of the costs consists on the one hand of an annual fixed sum or flat rate (the “franchise”), and on the other of 10% of costs in excess of the franchise (“retention fee”) up to a certain limit. This levy is charged on all in patient, part in-patient and out-patient treatments regardless of the income of the person insured. The date of treatment is decisive for the time schedule.

All out-patient examinations and treatments* in the Orthopädische Zentrum and the hospital are covered by basic insurance at the rates applying to the whole Swiss Confederation. The insurance fund then reimburses the patient less the franchise and the retention fee.

(* Benefits excluded by compulsory health insurance or assumed only under certain conditions are listed in Appendix 1 of the Health Care Services Regulations (Krankenpflege-Leistungsverordnung - KLV) and apply to all hospitals and physicians’ surgeries. If you are in any doubt about compulsory services and benefits, please get in touch with your health insurance fund.)

Check which costs are assumed by your health or accident insurance fund, and if you are in any doubt seek out expert advice.