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Student Health Insurance in Switzerland
Swiss Studies

To buy Swiss Studies "Essential & Economic", "All in One Optima" or "Eco Plus CEAM" insurance plan, simply complete the following application form.

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    I, policyholder, hereby acknowledge that I have read and understood the terms and conditions mentioned in Swiss Studies insurance plan and in Online sales - Terms and Conditions. I certify that the answers given on this form are true and complete. If not, I am aware of the fact that I would commit a breach of my duty of disclosure, which may entail the cancellation of the insurance contract as well as justify the refusal by the insurer of any benefits.

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If you don't receive it within 30 minutes please contact us by email on info@evasan.com or call us on +41(0) 22 929 52 51.

In case of emergency you can contact us anytime on the following number: +41(0) 22 929 52 52.
Should you need further information or if you have questions, do not hesitate to call us: +41(0) 22 929 52 51.

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How much is Health Insurance for International Students in Switzerland?

International students in Switzerland typically find that health insurance costs vary depending on the age, canton, insurance provider, and selected deductible. On average, premiums for basic health insurance (LaMal) range from CHF 250 to CHF 600 per month with minimum CHF 300 deductible. However, student-specific insurance plans, like Swiss Studies "Essential & Economic" or "All in One Optima", may offer more competitive rates. It's advisable to compare several offers to identify the most cost-effective solution tailored to your needs. Our Student insurance starts at CHF 58 per month.

Is Student Health Insurance Mandatory for Foreign Students?

In Switzerland, health insurance is compulsory for people residing or staying for more than three months without exemption. Special arrangements apply to persons who are staying in Switzerland for the purpose of starting or continuing education and training, depending on their situation and who are exempt from mandatory insurance under the Federal Health Insurance Act (KVG).

Insurance plans for Foreign Students

Our insurance plans, Swiss Studies "Essential & Economic" and Swiss Studies "All in One Optima" provide coverage for a wide range of inpatient and outpatient treatments along with benefits such as rescue expenses and emergency dental treatments.

As we are all aware, an emergency can happen at any time. With a 24/7 available helpline and effective multilingual customer support, our insurance plans are designed to offer you peace of mind during your studies.

We offer flexible payment options to ensure you have a worry-free purchase experience. Not only are you allowed to pay online, but you can also pay by installments (monthly, quarterly, semi-annually). By taking Swiss Studies "Essential & Economic" or Swiss Studies "All in One Optima" you also have a choice of selecting a deductible ranging from CHF 0 to CHF 1’500.

Our insurance plans have equivalent insurance coverage defined by the Swiss Health Insurance Act (KVG/LAMal) and they are the right choice for you if you are starting/continuing education and training in Switzerland.

If you are coming from the EU or EEA region and already have a European Health Insurance Card, we offer you "ECO PLUS EHIC" insurance as an extension to your home country insurance policy.

Frequently Asked Questions (FAQ)

Why is health insurance compulsory in Switzerland?

In Switzerland, health insurance, known as KVG, is mandatory to ensure that every individual living there has access to medical care in times of illness, accidents, or maternity without exemption. It reflects Switzerland's commitment to the health and wellbeing of its residents and visitors due to financial protection provided in case of the accidents.

What does basic health insurance cover in Switzerland?

Basic health insurance in Switzerland covers a wide range of services, including general medicine, hospitalization, maternity services, preventive measures like vaccinations, certain forms of therapy, and medications that you can use on the official list.

Can I choose any health insurer I want?

Yes, in Switzerland, individuals are free to choose and use any recognized health insurance provider. However, the scope of services and premium may vary. It's essential to compare the offers and select one that aligns with your needs and budget. For your specific needs, please contact us. To review and use our service, please fill out the form provided or contact our office!

Does age influence the price of foreign student insurance?

Yes, age can impact the price of foreign student insurance in Switzerland. It's essential to check specific insurance plans to see how age affects the pricing before you use them.

What is a Premium?

A premium is the amount you pay to an insurance company in exchange for financial protection in case of the accident. It's essentially the price tag of your insurance policy. In the context of health insurance in Switzerland, this is typically paid monthly, though some plans may offer quarterly or annual payment options. The amount of your premium is determined by various factors.

How are the premiums calculated?

Premium in Switzerland is calculated based on the insurance model, the deductible you choose, and the region you live in.

What happens if I don’t get health insurance?

Failure to secure health insurance within three months of living in Switzerland can result in penalties without exemption. The authorities may automatically assign an insurance provider to you, and you will need to pay backdated premiums.

How does health insurance for international students differ from local students?

Generally, the coverage remains the same, but international students might be eligible for specific plans tailored to their needs or might have to provide additional documentation to be insured.

Can I transfer or cancel my insurance if I leave Switzerland?

Yes, you can cancel your health insurance if you stop living in Switzerland permanently. It's crucial to inform your insurance provider in advance and provide proof of departure.

How do I claim my insurance benefits?

To claim insurance benefits, you need first to pay the healthcare providers and then submit the bills and receipts to your insurance company for reimbursement. Some insurance models may allow direct billing, like ours.

What happens in the case of an accident?

In the event of an accident, it is important to seek immediate medical attention and treatment as needed. The hospital will provide the necessary care, and they will subsequently send the bill to your insurance company for reimbursement. This ensures that the responsibility for medical expenses in emergency situations lies with the hospital rather than the patient. It's crucial to promptly inform your insurance company about the situation to initiate the reimbursement process.

What should I do if I face a medical emergency?

In case of a medical emergency, seek attention and treatment immediately! For life-threatening situations, call the emergency number (144 in Switzerland). Once stabilized, inform your insurance providers about the situation.

Will I be offered Legal help from Evasan?

Evasan offers a variety of services to its policyholders, including assistance in legal matters. If you're covered under a policy that includes legal assistance, then Evasan will typically provide support for situations where legal help is required, especially in the context of emergencies. For additional information, contact us.

Will I get all necessary information regarding my private medical care?

Yes, you will get all necessary information on your private medical care. Evasan is a reputable provider of service for foreign student insurance in Switzerland. You can expect to receive comprehensive information about your private medical care such as details on coverage limits, inpatient and outpatient treatments, emergency procedures, and any other benefits included in your policy.

What does supplemental insurance mean?

Supplementary insurance plans, also known as supplemental insurance or additional coverage, are insurance policies that complement and extend the coverage provided by a primary insurance plan. These supplementary plans are designed to fill in gaps or offer additional benefits that may not be included in the primary insurance policy.

How to apply for Insurance for International Students?

If you are a student from abroad, you can apply via our form by clicking here to be insured. For additional information, contact us.

Healthcare for international students in Switzerland explained

The full list of benefits and services of our insurance plans can be found on the following links:

The health and accident insurer is the Mutuelle Générale de l’Education Nationale, 3 Square Max Hymans, 75015 Paris, France (N° Siren 775 685 399), authorized by l’Autorité de Contrôle Prudentiel et de Résolution (ACPR). The assistance company is VYV International Assistance, passage de la corvette 3, 1700 La Rochelle, France.
SOS EVASAN, Route de L’ Etraz 12c, CH1267 Vich, Switzerland (Commercial Register N° CH-660-0168995) is administrator of the insurance contract.
EVASAN can be contacted by the insured party for any administrative questions by phone
Tel.: + 41 (0)22 929 52 51 from 8:00AM to 17:00PM (Monday to Friday) or by
Email: info@healthmobility.eu

NOTE: Conditions for Swiss Studies / Essential & Economic valid before September 2019 can be found here