Whether you are in pursuit of Bachelor, Master or Doctoral Degree in Switzerland, it is important getting proper information on health insurance in Switzerland. Access to comprehensive and reliable information is essential in making informed decisions regarding the type of coverage that best suits one’s needs. Whether you’re in high school, or chasing bachelor’s or master’s degree, understanding the nuances of Swiss health insurance policies, the importance of time, contact with insurance providers, and the specific requirements of your canton are key steps in managing your healthcare during your time abroad.
For students coming from their home country to Switzerland, the first year of study represents a period of adjustment not only academically but also in terms of understanding and adapting to the Swiss healthcare system. The need for a special kind of insurance management becomes apparent as students navigate through the various options available to them, each with its own set of benefits tailored to meet the diverse needs of the student population. This process often involves a significant amount of research and contact with various entities, including insurance companies, university administrative offices, and cantonal authorities, to ensure compliance with both legal requirements and personal healthcare needs.
Moreover, for those students coming from outside the country, dealing with the Swiss health insurance system introduces a layer of complexity to their already challenging transition. However, with the right information and guidance, securing health insurance can be a straightforward process. Universities and colleges typically offer support and resources to help students through this important step, providing a disclaimer about the importance of securing coverage early in their stay. This proactive approach to health insurance not only ensures students meet their legal obligations but also provides them with peace of mind, allowing them to focus on their studies and make the most of their educational experience in Switzerland.
In essence, the journey to securing health insurance in Switzerland as a bachelor student is marked by the need for careful planning, timely management, and access to accurate information. It’s a process that underscores the importance of preparation and informed decision-making, ensuring that students can fully embrace their academic and personal development opportunities while in Switzerland.
What is Bachelor Student Insurance for International Students?
Student insurance for international students is designed to meet the specific healthcare needs and legal requirements of those studying in Switzerland. This insurance covers basic medical services and is often priced considering the limited budgets of students. It is compulsory to comply with Swiss law, which mandates all residents, including international students, to have health insurance coverage.
Before we continue, it is important to gain information about the terminology, so you know what you will pay for compulsory medical insurance.
Premium: It is a regular payment that you make to the insurance company to maintain your insurance. Premiums can be paid monthly, quarterly, semi-annually, or annually, depending on the terms of your policy. You can choose which time period suits you for paying. The amount of the premium is determined by various factors, including the type and amount of coverage, your year, your location and your insurance history.
Deductible: Or Franchise is the amount you agree to pay out of your pocket before you send your insurance company a request. For example, if you have a CHF 500 franchise on your student insurance policy and you break your arm causing a CHF 2,000 bill, you would pay the first CHF 500 and your insurance would cover the remaining CHF 1,500. The franchise lasts for one year and is not compounded.
Aside from the legal obligation, this is also very beneficial. You need to pay a monthly premium ranging from CHF 80 to CHF 250 and are covered for medical treatment, hospitalization, or emergencies during your stay. Regarding the franchise, most companies offer different franchise plans for foreign students during their education. Ranging from CHF 300 to CHF 2500 for most medical insurance plans, this is still CHF coming out of your pocket. With Evasan, you have an option to get the CHF 0 franchise plan which won’t require you to pay anything out of your pocket when getting medical treatment. This plan is tailored especially for foreign students.
Why is Student Insurance Important for Bachelor Students in Switzerland?
Insurance is mandatory for students in Switzerland as it ensures access to the country’s high-quality healthcare services without imposing financial hardship. It provides a safety net, allowing students to focus on their studies and personal development without worrying about medical expenses.
Just like with every legal obligation, there are consequences to those who do not follow the rules of the country. Not acquiring a medical insurance plan during the first 3 months of your stay in Switzerland will result in getting one assigned for you by the country. This is a particular liability for international students, since with the standard of living in Switzerland, medical insurance plans are expensive for foreigners.
This is why it is important to have all the needed information and make contact with a few providers to see which one has the plan that suits you the best.
What is Included in Health Insurance Packages for Bachelor Students in Switzerland?
Breakdown of Basic Medical Services in This Plan
Basic medical services typically include general practitioner visits, emergency services, hospitalization, and basic preventive measures. These will all be covered in the medical insurance plan by default, since it is the minimum, any company can provide.
Additional Benefits and Services Included in the Tailored Coverage
Tailored packages for students might also include mental health services, dental care, and coverage for sports-related injuries, recognizing the diverse needs of students.
What is the Average Cost of Bachelor Student Insurance?
The cost of student insurance varies based on coverage, but it is generally designed to be affordable, with premiums adjusted for the student budget. Prices can range widely, so it’s advisable to compare options.
Which Factors Determine the Price of Insurance Plans for Bachelor Students?
Type of Coverage
The scope of medical services covered can influence the cost, with more comprehensive plans being pricier. This is completely logical and expected when considering the prices in medical world of Switzerland.
Duration of Coverage
Longer insurance terms might offer discounts but also require a more significant upfront payment. Evaluate the duration of your stay and apply for the needed time, making sure you are covered during the whole stay.
Premium Level
The chosen franchise and co-payment levels can also affect monthly premiums, with higher deductibles lowering the cost. This can vary depending on the additional coverage that you might want, but in most cases, it is between CHF 80 and CHF 250 monthly. Franchise can go from CHF 300 to CHF 2500, except in Evasan with the CHF 0 franchise plan.
What are the Main Advantages of Choosing the Tailored Insurance for Bachelor Students?
Financial Protection Against High Medical Costs
This insurance shields students from the high costs associated with medical care in Switzerland. During the era of your student life in Switzerland, you will very soon find out that it is a country in which it’s expensive to live in. This is one of the main reasons why medical insurance plans are important and compulsory.
Access to Student-Specific Healthcare Services
Plans often include services tailored to common student health issues, such as mental health support. This has been particularly important since the Covid era, and is still one of the most important parts of tailored plans regardless of any other factor.
Additional Benefits
Many plans offer extra benefits, like travel insurance, that are particularly useful for international students. Aside from the travel insurance, there are plans that offer additional dental care, dermatology, pre-existing conditions and many other additional benefits. Gather all the needed information before applying and getting a plan.
Conclusion
Student insurance in Switzerland is a critical component of the student experience, providing peace of mind and access to necessary healthcare services. Students need to understand their insurance requirements and ensure they have adequate coverage throughout their studies.
How can We Help?
We offer guidance on selecting the best health insurance plan for bachelor students in Switzerland, including comparisons of different insurance options and assistance with the application process.
As we have mentioned above in this article about compulsory bachelor insurance, Evasan offers the most affordable medical insurance plan, with CHF 0 franchise. This means that if you do need medical treatment, no money will come out of your pocket for the expenses, Evasan will pay everything, and you only pay the monthly premium.
How to Purchase Bachelor Student Insurance?
Purchasing insurance can be done directly through insurance providers, with many offerings online applications. University support services can also assist in navigating the options and completing the necessary paperwork.
If you opt for Evasan, there is a contact form that you can fill out on the website and apply for a medical insurance plan in a matter of minutes. This has made the process easier for foreign students, but you will also need to sign the Lamal exemption form.
Frequently Asked Questions (FAQ)
What qualifies as Bachelor student insurance?
It must adhere to Switzerland’s minimum legal requirements for health coverage, covering essential medical services and additional student-specific benefits. This is particularly relevant for students in various fields, including sciences, technology, and social sciences, ensuring their health needs are met while studying on campus.
How can students apply for the required health insurance?
Applications can be easily submitted through insurance companies’ websites or with the assistance of university student services. Providers often offer contact forms online, allowing students from science and technology fields to calculate the pricing of personal insurance plans based on factors like duration of stay and age.
Consequences for bachelor students lacking the necessary health insurance?
Without adequate insurance, students may face fines, be denied healthcare services, and encounter residency permit issues. This is important for students in social sciences and other disciplines, as lacking insurance could prematurely end their education and campus life.
Are there exemptions or alternatives to the mandatory health insurance for bachelor students?
According to this document on University of Zurich website, You can apply for an exemption if… you are legally insured by an EU state and have a European Health Insurance Card (EHIC) Please note: If you have a work contract with UZH (i.e. are an employed PhD candidate) you cannot apply for an exemption with your EHIC and need to get a Swiss health insurance. As soon as you are employed in Switzerland, your EU health insurance can deny paying your claim.
How often should bachelor students renew or update their health insurance plans?
Annually reviewing and renewing insurance is recommended, a practice that is essential for maintaining continuous coverage throughout their studies in fields like science, technology, and social sciences.
What are the Additional coverage options for bachelor students desiring more than the minimum requirements?
Students interested in fields like sciences and technology may seek additional coverage options, including enhanced dental care and mental health support, which are beneficial for maintaining overall well-being during intense study periods on campus.