COVID-19 is constantly presenting us with new challenges. Here you’ll find answers to questions frequently asked by our customers, particularly with regards to the benefits paid by Sanitas. Additional information, health tips and the latest news on developments can be found on the Federal Office of Public Health’s website.
Here you’ll find answers to questions recently asked by our customers.
Please make sure you stay at home so you don’t infect other people in case you do have the virus. As a first step, we recommend that you do the FOPH’s corona check.
If you have symptoms that indicate COVID-19, you’ll be given more information on professional test centres near you following your test results.
The vaccination is free of charge (no deductible and copayment). The costs of the vaccine will be covered by the Swiss government, cantons and your basic insurance.
Cross-border commuters who have mandatory basic health insurance in Switzerland can be vaccinated in Switzerland in accordance with the vaccination recommendations. The costs are covered by mandatory basic health insurance, the Swiss government and the cantons.
Cross-border commuters who are not insured in Switzerland but who are exposed to a risk of infection through their work (e.g. healthcare workers with patient contact and care staff in nursing and old-people’s homes) can also be vaccinated in Switzerland free of charge. The costs will be covered by the Swiss government.
For cross-border commuters who are insured in another country and do not belong to the group of employees at occupational risk, the costs of vaccination are covered by their health insurance. In this case, we recommend that the vaccination is carried out at their place of residence abroad.
If the vaccination is administered abroad and not covered by the applicable country, the costs will not be covered by your basic insurance either. Basic insurance only covers benefits for treatment in the event of illness and not preventive benefits (e.g. vaccinations) abroad. The Swiss government recommends that anyone insured in Switzerland should be vaccinated here. Anyone who plans to be vaccinated abroad must also consider that, depending on the vaccine, the second dose of the same vaccine may not be available in Switzerland.
Other questions about the vaccination from our customers:
Do I have to have the vaccination?
Vaccination is voluntary. Nobody is obliged to have it.
Further questions cannot be answered in detail at the moment for all cantons.
Self-test kits are available in pharmacies, chemists and retail stores and can be purchased by anyone. From 1 October, the government will no longer cover the cost of self-test kits.
By law self-test kits do not constitute an insurance benefit. As a result, the costs of self-test kits are not covered by Sanitas (neither basic nor supplementary insurance).
The following conditions must be met for the Swiss government to cover the costs of the corona test or a quick test:
The test centre checks whether the conditions for costs to be covered by the Swiss government are met.
In the above cases, the government covers the cost of one or more tests. The costs do not affect your deductible or copayment. If the costs are covered, the invoice will be settled directly via Sanitas health insurance.
In accordance with the legal requirements, corona tests currently do not constitute an insurance benefit and are also not covered by supplementary insurance.
Sometimes, pharmacies or medical practices place a surcharge on corona tests, for example a night, emergency, Sunday or public holiday surcharge or flat rates for infrastructure costs. However, this is not legally permissible (COVID-19 Regulation 3 on measures to control the coronavirus: Art. 26 para. 5). You therefore do not have to pay these costs. If you have already paid such a surcharge, you can claim the amount back from the pharmacy or medical practice with the corresponding receipt.
If you have acute health problems, contact your family doctor or, depending on the severity of the situation, the emergency services. You will still receive competent and rapid medical care. The same applies if you suffer from a chronic illness that requires a regular medical consultation. Alternative means of getting medical information:
Basic insurance covers the cost of emergency treatment, such as when symptoms of the coronavirus occur, even abroad. Within EU/EFTA states, costs are covered in accordance with the bilateral agreement on the free movement of persons. Outside EU/EFTA states, basic insurance (KVG/HIA) covers up to twice the costs that would be reimbursed for treatment in Switzerland.
Costs that exceed KVG/HIA cover are covered by applicable supplementary insurance plans in accordance with the contractual agreement.
Important: Please use your insurance card and contact Sanitas Assistance +41 (0) 844 124 365.
When travelling, please note the information published by the Swiss Federal Department of Foreign Affairs (EDA).
No. These are not benefits covered under basic or supplementary insurance.
Who should I contact at the moment if I have questions about my pregnancy, the birth or the first few weeks with my baby?
You should probably still be able to contact your midwife and your gynaecologist. However, you can also ask any questions you may have online. The Familly online portal provides families with free on-demand access to virtual support from midwives, child psychologists and many other healthcare professionals.
If you’re due to give birth shortly
You can continue to follow your birthing plan – caesarean sections are also still possible, of course. In almost all hospitals in Switzerland, your partner or a chosen person can be present during the birth – and, depending on the hospital, this person can also visit mum and baby after the birth subject to restrictions. Ask your hospital! You don’t have to worry about a shortage of beds in maternity wards, and all necessary measures have been put in place to protect you against infection from the coronavirus.
Yes, our counters are open to the public during normal opening hours.
Everything we know has been turned on its head at the moment. But one thing remains the same: we’re still here for you. For example, with offers designed to help you stay healthy. And ways of managing your insurance affairs quickly and conveniently at any time.
Further information, useful tips for daily life and how to comply with the restrictions, and news on the latest COVID-19 developments can be found on the website of the Federal Office of Public Health (FOPH) at bag-coronavirus.ch or by phone on 058 463 00 00.
If you find the current situation particularly stressful or if it is exacerbating existing personal problems, you’ll find a list of telephone advice centres recommended by the FOPH here.
Please note: all the health-related information provided here is intended to help you find your bearings in the current difficult situation. However, if you have health problems, you must still seek help from a medical professional.