Transport and rescue in the health insurance
The health insurance companies cover transport and rescue costs. Basic insurance covers 50% of the costs of ambulance transport up to CHF 500 per year. Supplementary insurance, on the other hand, can cover the entire cost.
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What does the basic health insurance cover for transport costs?
The basic health insurance covers transport costs for an illness up to CHF 500 per year in Switzerland. The transport costs are only covered once the deductible has been used up. In the event of an accident, the employer's accident insurance will contribute to the transport costs if you are at work. The employer's accident insurance covers the entire transport costs in the event of an accident.
What does the basic insurance cover in terms of rescue costs?
In the event of illness, the basic insurance covers 50% of the rescue costs up to CHF 5000 per year in Switzerland. In the event of an accident, the employer's accident insurance will contribute to the rescue costs if you are at work. The employer's accident insurance covers all rescue costs in the event of an accident.
What does the supplementary insurance pay towards the transport costs?
The supplementary health insurance can cover up to 100% of the transport costs. By comparing supplementary insurances, you can check which health insurances cover the most for transport costs. The supplementary insurances that contribute to the transport costs are listed below:
| Health insurance | Supplementary insurance | Cost absorption |
|---|---|---|
| Sanitas | Classic | Max. CHF 2000 per year |
| Helsana | Completa | Max. CHF 100000 per year |
| Groupe Mutuel | Global Classic | Max. CHF 5000 per year |
| Swica | Completa Top | 90% max. CHF 20000 per year |
| CSS | Ambulant MyFlex | Unlimited in amount |
| Visana | Ambulant 2 | 90% max. CHF 20000 per year |