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Old 15.12.2011, 13:07
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Health Insurance - Grundversicherung: mandated coverage and pre-existing conditions

Hello,

I'm a Swiss citizen that will relocate back to Switzerland after having lived in the US for over a decade. Since health insurance is required by law here and the Swiss Government mandates the coverage for the Grundversicherung I would like to read up on that law.

I'm looking specifically for the mandates that describe the coverage for the Grundversicherung and I would also like to know the law in regards to pre-existing conditions.

If anybody can help me find a link to that information I'd greatly appreciate it.

Thank you.
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Old 15.12.2011, 13:31
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Re: Health Insurance - Grundversicherung: mandated coverage and pre-existing conditio

The federal law on healthcare (KVG) can be foun here:
http://www.admin.ch/ch/d/sr/c832_10.html

The (main) ordinance (KVV) can be found here:
http://www.admin.ch/ch/d/sr/c832_102.html

The ordinance on coverage (KLV) can be found here:
http://www.admin.ch/ch/d/sr/c832_112_31.html

A good overview can be found on the website of the federal office:
http://www.bag.admin.ch/themen/krank...x.html?lang=de



As per pre-existing conditions: They don't matter for the mandatory coverage. Every insurer that operates in the canton you live has to accept you (art. 4 KVG). The insurer is not even allowed to ask about pre-existing conditions (art. 6a KVV).
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Old 15.12.2011, 19:08
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Re: Health Insurance - Grundversicherung: mandated coverage and pre-existing conditio

I thank you very much for the links.
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Old 16.12.2011, 12:43
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Re: Health Insurance - Grundversicherung: mandated coverage and pre-existing conditio

You are welcome.
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Old 27.12.2011, 15:13
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Re: Health Insurance - Grundversicherung: mandated coverage and pre-existing conditio

that is correct, the Grundversicherung must cover the a certain range of illnesses/injuries, no matter which companies offers, so you're free to choose the one you trust most / pay less.

As for additional insurance (which might be helpful if you need glasses/want to try "natural health treatment" vs. school medicine etc) - they don't ask that many questions and either include an existing condition asking for a higher premium or just exclude that condition and all possible follow-up treatments.
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