Why do I have to take out health insurance equivalent to the KVG/LAMal?
KVG/LAMal is the basic health insurance in Switzerland, as a foreign student living in Switzerland, you are obliged to subscribe to the compulsory basic health insurance (KVG/LAMal) or to a health insurance company offering KVG/LAMal equivalent plans such as StudentCover Essential and StudentCover Worldwide.
Does StudyProtect cover hospital, general practitioner or dental treatment, what is covered?
StudyProtect cover provides benefits equivalent to the KVG/LAMAL such as hospital treatment, general practitioners and for dental treatment, StudyProtect only covers you in case of dental accidents.
Why take out a health insurance policy equivalent to the KVG/LAMAL if the benefits are the same?
StudyProtect offers you benefits equivalent to the LAMal, but at a lower cost.
Where can I get a residence permit?
First of all, you have to inform the cantonal office of population and migration within 14 days of your arrival.
You must then complete Form A and send it to the cantonal office where you have registered your new residence.
What are the conditions for acceptance?
- Aged between 16 and 41 years at the time of application or renewal
- Enrolled and accepted as a student at a Swiss school or academic institution in Switzerland and/or Liechtenstein
- Have an appropriate and currently valid residence permit.
What is a deductible?
The deductible is the amount indicated on the insurance certificate, which is to be paid by the insured person.
What is a premium?
The premium is the amount you have to pay for the period of insurance indicated on your notice of maturity, in return for the benefits of your plan. You can pay your premium :
- in Swiss francs – the Plan’s reference currency
- by credit card, bank transfer, payment slip or as specified in your application form or due date notice, as appropriate.
What is a claim?
A claim is when an event (illness or the consequence of an accident) requires therapeutic and medical treatment.
What is an illness?
Any impairment of physical, mental or psychological health diagnosed by a doctor, which is not caused by an accident and which requires medical examination or treatment.
What is considered an acute illness?
An illness is considered acute when its sudden onset leads to intense pain or symptoms of short duration and which will require prompt medical treatment.
What is hospitalization?
Admission to a hospital for a stay of more or less than 24 hours, requiring notification of admission, during which the Insured undergoes medical and/or surgical treatment.