Student Insurance

In accordance with art. 3 of the Federal Health Insurance Act (KVG/LAMal), all persons domiciled in Switzerland must, within three months of taking up residence or birth in Switzerland ,take out health insurance with an insurer recognized by the Federal Department of Home Affairs. This control is entrusted to the cantons.

However, you can obtain an exemption from the insurance obligation if you are staying in Switzerland for training, work experience or further education (doctoral student, student, schoolchildren, trainee, etc.).

You can obtain an exemption from the insurance obligation if you are staying in Switzerland for training, work experience or further education (doctoral student, student, schoolchildren, trainee, etc.).

Check form for the equivalent of Swiss health insurance
The check form for the equivalent of Swiss health insurance is to provide proof of sufficient insurance cover to the Health Insurance Office of your canton of residence.

Persons applying for exemption from compulsory insurance must submit this form, duly completed with your personal details and signed by the Insurer.

As soon as we issue your insurance contract, we will send you an e-mail containing your insurance certificate and your check form for the equivalent. The same applies to each renewal of your insurance contract.

To make things easier for you, the form we will provide you with will be pre-filled. All you have to do is sign it and send it to the health insurance office in your canton of residence. The address is mentioned on the form.

Some cantons may ask for a signature from scholarship holder. In this case, you must :
- print your exemption form available on Advisor Mobile App
- sign the exemption form
- send the exemption form using the address indicated on the form

If you receive correspondence or e-mail from the cantonal social insurance office, please forward a copy to Advisor upon receipt.

Your Care Plan

• Necessary medical, pharmaceutical and hospital expenses in case of illness, accident and maternity, as well as complete coverage of medical repatriation and assistance services.

• Private liability insurance

Other benefits may be covered if they are included in your Care Plan.

Recommendations
If you have a medical history or if your state of health should change negatively over time, you risk, once you return to your country of origin, and depending on the insurance Plan you use, being subject to restrictive conditions or even being refused insurance. It is therefore strongly recommended that you maintain your usual insurance cover or contact your insurer beforehand.

Although most medically necessary treatments are covered, some costs incurred for treatments, medical conditions, procedures, behaviours or accidents may be excluded from cover.

You should read the Policy conditions carefully in conjunction with your Care Plan to ensure that you fully understand the limits of your cover and the benefits excluded by it, unless otherwise stated on your Care Plan.

Insured persons who have failed to declare, or inaccurately declared, health problems may have to pay for their own treatment. Any preventive medical check-ups are not covered by this Care Plan.

The insurance cover is valid worldwide. Abroad, the cover is only valid in case of emergency.

As soon as your insurance coverage comes into effect, you will receive your certificate in your e-mailbox.

Your certificate will also be available at any time on Advisor Mobile App.

Payment of premiums
Your insurance premiums are sent to you by e-mail. Each premium notice has a QR-code that identifies your contract, the insurance period concerned and the amount of your premium.

It is important to use only the premium notice that relates to the period for which it was issued. If you use another payment method, you will be charged an additional fee on your next invoice.

Reminder and consequences of non payment
If the full premium or cost sharing is not paid in time, you will receive a written reminder, at your own expense, to make the payment within 14 days from the date of sending the reminder.

If the full premium or cost sharing is not paid within the grace period thus granted, you must be summoned in writing, at your own expense, to make payment within 14 days from the date of sending the summons. The summation must remind the consequences of the delay.

If the summons remains without effect, the obligation of The Insurer shall be suspended as from the expiry of the 14 day period until all outstanding premiums have been paid.

The Insurer must immediately inform the cantonal health insurance supervisory body.

For more details, we recommend that you carefully read the Policy conditions.

Overpaid premiums
If you have overpaid premiums, you will be reimbursed within four weeks of confirmation of reimbursement.

General practitioners and medical specialists The fees of general practitioners and specialists authorized to practice medicine in accordance with the laws of the country in which the treatment is provided are covered, within the limits of the license granted to them.

Inpatient hospital care

In the event of hospitalization, costs in a general ward for medical hospitalization in a public establishment as well as related medical and paramedical costs are covered.

Reimbursement of medical bills
Inpatient treatment : Third party payment
Hospitals send the original invoice directly to us.

In the event where you were obligated to pay for the medical services yourself, your expenses will be reimbursed upon presentation of the detailed original invoice and proof of payment.

Outpatient treatment: Third-party guarantee
To obtain reimbursement for outpatient treatment, including a specialist or general practitioner's bill, you must send us :
- the original, detailed, paid and receipted invoice
- proof of payment of medical expenses
- the completed claim form
- bank details (IBAN of the bank or postal account)

Only the costs of the treatments provided for in your Insurance Plan will be reimbursed after taking into consideration the annual deductible and the excess, which are explained in the Definitions menu.

In order to avoid additional costs due to late processing of medical invoices, it is necessary that they are sent to our Claims Department as soon as they are received.

Annual deductible
You must pay the annual excess you opted for when you took out your Care Plan.

Co-payment
Is 10% and applies to all benefits that exceed the annual deductible.

Insurance card
Each insured person has access to their virtual insurance card by downloading the Advisor Mobile App.

If you have not already done so, you can download our free application available on Apple Store and Google Play Store for smartphones by searching by keyword: Advisor Swiss Insurance : Advisor Swiss Insurance

Virtual insurance card
We are committed to creating sustainable value for our customers, shareholders and employees, while making a contribution to the environment and society.

Having gradually reduced the volume of physical files we were publishing, we are continuing our commitments to the UN Sustainable Development Goals (SDGs).

Having been the first insurance company to introduce the virtual insurance card, we have gradually reduced the use of the printed version, which does not meet current environmental standards.

We have succeeded in this transformation, which has enabled us to free ourselves from this physical medium, thus further reducing our impact on the environment with which our customers are greatly associated.

European insurance card

The European Health Insurance Card can only be issued by the social security office of your home country to which you are attached. Private insurers are not allowed to deliver those cards.

If you have any questions on this subject, please consult our dedicated web page.

Our services do not provide answers by phone or e-mail on this subject.

Private liability
Persons insured under the insurance program are also insured for private liability.

Legal protection for patient
Persons insured under the insurance program are also insured under Patient's Legal Protection.

Accident insurance
Persons insured under the insurance program are also insured against the risk of accident. Benefits in the event of an accident are the same as for illness.

You can cancel your contract for the following reasons :

Leaving Switzerland permanently
If you are leaving Switzerland permanently, or if you apply for a residence permit, you can terminate your insurance on the date of your departure. To be valid, the cancellation must be accompanied by a copy of your official certificate of departure. The premiums paid in excess will be refunded to you using the bank account you indicate to us.

You are no longer a student
In accordance with the legal regulations and our General Terms and Conditions of Insurance (GTCI), as soon as your status changes and you are no longer eligible for the student health insurance programme, your insurance contract must be cancelled. It is your responsibility to inform us of this change so that we can assist you with the cancellation procedure and the transition to a health insurance policy that meets the legal requirements.

You get married to a Swiss citizen or a person living in Switzerland who is not in Switzerland for study purposes
After the marriage, your status in Switzerland also changes and you are no longer eligible for exemption from health insurance. It is your responsibility to inform us of this change so that we can assist you with the termination procedure and the changeover to a health insurance plan that meets the legal requirements.

Change of insurer
If you wish to change insurer and none of the above reasons apply, you can terminate at the end of an insurance year by giving three months' notice.

Retroactive termination
There are several reasons why your contract may be terminated retroactively.

- You are no longer a student
- You have not been able to justify your student status

Changes in name, status, marital status, address, email address, in particular canton or death must be notified in writing to the Insurance Agency within 30 days. In cases of lateness or omission, The Insurer reserves the right to claim back any expenses incurred.

The Insurer may have to carry out verifications related to the status or marital status of the insured person, who must then provide all the information requested in relation to the above-mentioned criteria.