Insurances & costs
In Switzerland different laws and fares are applicable, depending on which kind of ilness or accident (including the circumstances of its occurrence) is involved:
- LAMal : law ruling the basic medical insurance (obligatory for each individual)
- LAA : law ruling the work-related insurance in case of an accident
- AMF : Federal Military Insurance (for soldiers only)
- AI : Invalidity Insurance (covers treatments for congenital/inborn anomalies as well as long-term disabilities following disease or accident)
These four “basic insurances” reimburse medical costs as per a national unified fare (Tarmed), listing all medical acts and services that may be billed and that will appear on your bill.
In case of ambulatory operations :
After deduction of the franchise (which varies from one insurance policy to another), insurances will reimburse 90% of the costs in case of illness and accident (if unemployed) and 100% of costs in case of accident (if employee) for all ambulatory interventions (day surgery) performed in the Center.
In case of operations requiring hospitalization:
Complementary insurance policies (LCA law) reimburse operation and hospitalization costs as well as some ambulatory costs that are always specifically listed in the contract. You must check your contract or call your insurer to obtain a written confirmation that they will cover the additional fees.
If you must be hospitalized due to illness and you do not have a complementary insurance policy covering semi-private or private categories, you will not be reimbursed. In case of an accident, the LAA insurance of the employer may take in charge costs for hospitalization in the clinic.
- In order to issue an invoice corresponding to your insurance coverage, it is mandatory that you give us all necessary data at time of registration and more precisely, whether your insurance policy covers medical care in a clinic (in semi-private or private category) by listing the insurance company name, address and policy number. Your AVS number (if you have one) is required as well.
- Do not forget to lodge at the earliest your illness or accident declaration with your insurer (or your accident declaration with your employer if you are an employee).
Do not hesitate to ask or call the secretaries or any member of the billing staff (# 022 595 08 28) to clarify any question about insurances or billing procedures.CH8 | Charles-Humbert 8 | CH-1205 Geneva
Tel: +41 (0)22 595 08 08 | Fax: +41 (0)22 595 08 02 |
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