Information for policyholders resident abroad

Policyholders resident abroad will find here information about their basic health insurance in accordance with the KVG and in accordance with the VVG.

euroline – basic insurance in accordance with the KVG

Due to the rising cost of benefits, premium adjustments may be necessary. In addition to this, other factors and legal provisions can also affect individual premiums.

The premiums for 2019 will decrease by CHF 50 per month (–16.7%) at euroline Germany. At euroline France, premiums will remain unchanged. In other EU countries, premiums are set to increase by 3 to 3.3%.

Change in age brackets

euroline policyholders under the age of 19 will benefit from a premium discount of 75%. Young adults aged between 19 and 25 will get a 25% discount on their premiums. A single premium rate applies from the age of 26 with euroline. Moving up to the next age bracket results in premium increases. The following years will be affected by changes in age brackets from 2019 onwards:

  • 2000: from 2019 Young Adult premium category (previously: Children)
  • 1993: from 2019 Adult premium category (previously: Young Adult)

Am I insured with euroline in my country of residence?

With euroline, you are insured in both Switzerland and your country of residence and can visit a doctor in both countries. euroline allows you to access medical treatment in Switzerland and your home country.

The statutory benefits list (in accordance with the KVG) applies in Switzerland and the statutory benefits list for benefits in kind valid in your country of residence applies there.

Example for Germany – when taking out a policy, select statutory health insurance in Germany. Sympany will contact the insurance company in question. You will then receive an insurance card from your statutory health insurance provider. When seeking treatment in Germany, you are entitled to all benefits in kind in line with the statutory benefits list.

Who pays for your treatment in your country of residence?

When seeking treatment in your country of residence, the statutory compulsory benefits and cost contribution regulations of the country of residence apply. The costs are settled in exactly the same way as you are used to in your country of residence from your statutory health insurance provider.

German service providers, for example doctors, physiotherapists and hospitals, settle your bill with the German insurance provider directly. You will not receive an invoice for compulsory benefits. You will, however, be charged an additional fee for any medication and a daily flat rate for stays in hospital.

In France, the costs are shared: the CMU pays one portion and you pay your own portion for each round of treatment.

How does it work if I receive treatment in Switzerland?

When seeking treatment in Switzerland, you can enjoy all of the benefits of mandatory health insurance in Switzerland in accordance with Swiss basic insurance pursuant to the KVG. You can choose your own doctor and, if necessary, go straight to a specialist, without a referral.

New for euroline Germany: eedoctors, the virtual family doctor practice
Don’t have a family doctor in Switzerland? With Sympany, that’s no problem! euroline Germany policyholders can now always contact the eedoctors virtual family doctor practice using their smartphone. Regardless of location and without an appointment, with a medical certificate, e-prescription or referral.

Find out more >

mondial – basic insurance in accordance with the VVG

Due to the rising cost of benefits, premium adjustments may be necessary. In addition to this, other factors and legal provisions can also affect individual premiums.

For mondial, there will a premium adjustment of 4% in 2019 due to an increase in the age factors from age 41 upwards.

Change in age brackets

Moving to the next age bracket results in premium increases. People normally change age bracket in five-year intervals. The following years will be affected by changes in age brackets from 2019 onwards:

  • Children (0 to 18 years): those born in 2001 and after
  • Young adults (previously: children): born between 1994 and 2000
  • Adult premium category: born between 1979 and 1993, before that in five-year intervals up to those born in 1959. There are no changes in age brackets for those born in 1958 and before

Care insurance requirement

Obligatory health insurance in Switzerland does not include care services. Neither does mondial insurance in accordance with the VVG. German border commuters are therefore required to take out private care insurance in their country of residence.

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