Terms

Illness

In Switzerland each inhabitant (i.e. native and residenceentitled foreigners) is mandatorily insured for medical costs with illness (health insurance law, KVG). The payment of the premium is however thing of the insured one. With the European Union states exist contracts, which regulate the mutual assumption of medical costs with emergencies. As insurance proof the "form serves E111", which one could refer in all European Union states and Switzerland of the health insurer. Starting from 1 January 2006 the form E may not be issued 111 anywhere more. All insured must starting from this time for a treatment in a state of the European marketing area - i.e. the European union, Norway, Iceland and Liechtenstein - and in Switzerland the European health insurance map or a provisional spare certificate to the European Union submit.

The health insurances are not private-economical enterprises, it give a national health insurance company. Each health insurance company is however legally obligated to take up everyone to the basic insurance to which an appropriate request places and in the activity area of the cash domicile has. Possibly the competitive disadvantage of cashes, resulting from it, which have more older and/or ill members, becomes only partly balanced with a special fund (compensation of risks). For the additional insurance (i.e. all achievements, which go beyond the legal basic insurance) the cashes are however free, which contracts want to lock it with whom. They can specify the premiums freely and reject prospective customers. Roof federation of the health insurers is . Switzerland is to the USA a pioneer country of the Managed care. 1990 were already created the first Health maintenance Organization (HMO); further followed later. In addition come ever more family doctor models.

The financing of the national hospitals takes place on the one hand via payments of the treatments, on the other hand via subsidies of the cantons or municipalities. Because of this partial kantonalen financing all national hospitals require lower taxes than of of inhabitants of the location canton foreign ones. Because of these different costs the legal basic insurance covers only in each case the treatment in the general department in a hospital in the living canton. (Exceptions apply in emergencies and, where a certain achievement in the living canton is not offered at all, like e.g. heart surgery or neurosurgery, which is limited to centers). Roof federation of Swiss of hospitals is H+. The maintaining are united in Swiss professional association of the care specialized technical and care specialists SBK

The financing of the private hospitals comes against it usually only from the treatment taxes, which are saliently higher therefore than in the general departments of the national hospitals. The legal basic insurance does not cover therefore the treatment in private hospitals.

Ambulatory treatments against it are covered by the basic insurance in whole Switzerland and with each certified Leistungserbringer. These are beside (established) physicians practicing medicine freely also Ambulatorien of the national and private hospitals. Roof federation of the physicians is the FMH (Foederatio Medicorum Helveticorum, combination of Swiss lady doctors and physicians).

Accidents

For medical costs in "accidents" each (r) employee is mandatorily insured (UVG, accident insurance law). There is on the one hand an independent accident insurance of the public right (SUVA, Swiss institute for accident insurance), on the other hand one offers also most private insurance companies accident insurances after UVG. It is thing of the employer to insure all employees whereby depending upon Pensum only accidents during the work or also accidents in the spare time must be insured. The premiums for industrial accidents are carried only by the employer. The premiums for leisure accidents against it are carried by the employee. Who is not employed and also no private accident insurance would like, can be able to be insured with the health insurance company against accidents additionally.

Dentist

Dentist treatments are not carried from the health insurance companies, are not refrained from few exceptions. One can lock privately a dentist insurance, but this is very expensive and is only rarely used.

Articles in category "Health service Switzerland"

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