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Medical and Health
Some healthcare providers offer both public and private treatment in Switzerland. The European Health Insurance Card (EHIC) doesn’t cover private treatment, so make sure you’re treated by a state-funded healthcare provider.
Documents needed: EHIC and passport
Doctors and Dentists
Doctor: You can consult any doctor registered with the Swiss health insurance scheme. Remember to show your European Health Insurance Card (EHIC), previously known as the E111 form. A consultation can cost from 90 CHF (£60). You’ll normally have to pay the full cost for treatment and claim a refund afterwards.
Dentists: Dental treatment isn’t covered by the EHIC unless for serious illness or accident. Routine treatment is very expensive.
Hospital Treatment and Ambulance Costs
Except for emergencies, you must get a doctor’s referral for hospital treatment. Show your EHIC on admission. Inpatient treatment in a public hospital is covered but there’s standard fee for each 30-day period of treatment - CHF 92 (adults) and CHF 33 (age 18 and under) - plus a daily contribution of CHF 15 for adults (26 and older).
Ambulance: Transport isn’t free with the EHIC, so comprehensive travel insurance is vital, especially if you need air ambulance rescue from the ski slopes.
The EU medical card covers 50% of ambulance costs up to a max. 350 CHF and up to CHF 3,500 for emergency medical evacuation per year. There’s no financial assistance for search and recovery costs so make sure your travel insurance covers you for repatriation and medical emergency expenses.
You’ll pay more for medicines bought from an out-of-hours pharmacy (Apotheken). Unless the doctor advises otherwise, save money by asking for the generic medicine as opposed to the original – cheaper and just as effective for pre-existing medical conditions.
With the EHIC, you still need to pay 10% towards the costs of generic medicines, and up to 20% for the original if a generic version is available.