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Old 21.03.2015, 18:51
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An operation needed in Germany, which type of health insurance will cover?

Hi everyone,

I will need an operation by a specialist in Germany. If possible I would like that my swiss health insurance (Assura) covers it. I tried to search in assura's web page, the type of insurance for that but page is not in english, so I didn't get it.

Do you know if I need to change my basic health insurance to sth else so the costs of not emergency- abroad operation is covered?

Ps: If the abroad treatment/ operation was for emergency they cover it. But in this case I will go to Germany just for that operation, so technically it wont be an emergency situation.

Thanks
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Old 21.03.2015, 18:54
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Re: An operation needed in Germany, which type of health insurance will cover?

As it's a planned operation and not an accident, you will need to have an additional insurance cover. BUT, as you already know you will need this operation, the additional cover you want to take out will exclude the planned operation.
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Old 21.03.2015, 18:58
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Re: An operation needed in Germany, which type of health insurance will cover?

My understanding is that will not be possible- your will ahve to find a specialist her and have the op here. From the Government website FAQs;


01. Are the costs of treatment abroad reimbursed under compulsory health insurance?

Compulsory health insurance only covers reimbursable treatment and services carried out in Switzerland by licensed providers.

Exceptions are made for medical treatment that is necessary during temporary stays abroad.

- In EU/EFTA countries, the European Health Insurance Card issued by your health insurer entitles you to any medical services that are considered essential, taking account of the type of service and the proposed length of your stay. Your medical insurance will cover the costs of the same medical services as would be provided to a resident of the country in question. Further information (in French/German/Italian) is available at:
http://www.bag.admin.ch/themen/krank...x.html?lang=de

- In countries outside the EU/EFTA area, the costs of emergency medical treatment will be reimbursed up to a maximum of twice what the same treatment would have cost in Switzerland.

In cases where you have to go abroad for medical treatment because the treatment is not available in Switzerland, your doctor must submit an application (including a statement of reasons) to your health insurer's independent medical adviser. The insurer will decide, in consultation with the independent medical advisory service, whether the costs of treatment abroad can be reimbursed.

Last edited by Odile; 21.03.2015 at 19:24.
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Old 21.03.2015, 23:10
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Re: An operation needed in Germany, which type of health insurance will cover?

From experience: if you ask your insurance, they will normally only pay for the basic room (CHF 300), anything else (care, doctors, operation) will have to be paid by yourself. Unless you have a coverage in Germany this is not included in your swiss insurance. Only exemption could be an operation that for medical reasons needs to be done abroad, but check that first with your insurance.
Cost can be high! I had a simple operation on my elbow, one day in hospital, operation etc, and had extra cost of 1400 EUR (covered by my German supplementary insurance).
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Old 21.03.2015, 23:12
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Re: An operation needed in Germany, which type of health insurance will cover?

If the operation can't be done in Switzerland than they might pay…. other than than, i think no chance!
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