{"id":285,"date":"2024-10-16T16:01:48","date_gmt":"2024-10-16T14:01:48","guid":{"rendered":"https:\/\/www.unine.ch\/welcomedesk\/?page_id=285"},"modified":"2024-11-11T21:09:18","modified_gmt":"2024-11-11T20:09:18","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/www.unine.ch\/welcomedesk\/en\/health-and-safety\/health-insurance\/","title":{"rendered":"Health insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row margin_bottom=&#8221;mb-0&#8243;][vc_column]<div class=\"unine-header-image__wrapper mb-half\">\n\t<img decoding=\"async\" src=\"https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-1296x729.jpg\" srcset=\"https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-1296x729.jpg 1296w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-300x169.jpg 300w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-1024x576.jpg 1024w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-768x432.jpg 768w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-1536x864.jpg 1536w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-432x243.jpg 432w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-648x364.jpg 648w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-576x324.jpg 576w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret-324x182.jpg 324w, https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/UNINE_batiment_PM26-3_1920x1080_guillaume-perret.jpg 1920w\" alt=\"\" title=\"\" class=\"unine-header-image aspect-ratio-16-7 w-100\" width=\"1296\" height=\"729\" \/><\/div>[\/vc_column][\/vc_row][vc_row margin_bottom=&#8221;mb-full&#8221;][vc_column width=&#8221;2\/3&#8243;]<div class=\"unine-page-title__wrapper mb-sixth\">\n\t<h1 class=\"unine-page-title\">\n\t\tHealth insurance\t<\/h1>\n<\/div><div class=\"unine-text-block__wrapper mb-sixth\">\n\t<div class=\"unine-text-block\">\n\t\t<p>Health insurance is made up of the basic mandatory insurance and complementary insurances. The basic insurance entitles every person living in Switzerland to quality medical treatment and care in their canton of residence. Every person living in Switzerland must apply for mandatory health insurance (= basic insurance), including children. It provides every insured person with the same benefits.<\/p>\n<p>If you are insured in a state of the European community (as well as Iceland and Norway), you may not have to insure yourself in Switzerland. We recommend you consult the \u201cFederal Office of Public Health\u201d (OFSP) FAQs .<\/p>\n<p>Basic health insurance benefits cover expenses related to sickness and maternity (as well as accidents, if your employer\u2019s accident insurance doesn\u2019t apply). They namely cover:<\/p>\n<ul>\n<li>Ambulatory care dispensed by doctors,<\/li>\n<li>Medication prescribed by doctors,<\/li>\n<li>Hospital stays in common rooms in your canton of residence (as well as<br \/>\nhospitals outside your canton, under certain conditions)<\/li>\n<li>Help and care at home (Spitex system),<\/li>\n<li>Convalescent home stays and medical rehabilitation (cure, treatments, etc.).<\/li>\n<\/ul>\n<p>For further details, refer to the OFSP\u2019s \u201cyour questions \u2013 our answers\u201d brochure .<\/p>\n<p>Be careful, dental care isn\u2019t taken in charge by basic insurance, unless related to a severe illness.<\/p>\n\t<\/div>\n<\/div><div class=\"unine-text-block__wrapper mb-sixth\">\n\t<div class=\"unine-text-block\">\n\t\t<h2>Insurance premiums<\/h2>\n<p>Your insurance premium depends on your place of residence, your age, gender, coinsurance, and the modalities of your chosen insurance (resorting to a care network, etc.). The OFSP puts a premium calculator at your disposal. You can pay your premium monthly, quarterly, half-yearly, or yearly. The insurance premium isn\u2019t deduced from your salary, so don\u2019t forget it when calculating your budget. On top of the insurance premium, insured persons must pay a part of the expenses related to care and treatment (except when related to maternity). This participation includes:<\/p>\n<ul>\n<li>A normal minimum coinsurance of 300CHF\/year (for adults over 18 only):<br \/>\nyou can choose to pay a higher coinsurance and thus pay less premium.<\/li>\n<li>A quota: a 10% participation in the expenses going beyond the coinsurance,<br \/>\nmaximum 700CHF\/year for adults and 350CHF\/year for children up to 18 years<br \/>\nold.<\/li>\n<\/ul>\n<p>Basic insurance\u2019s premiums increase every year. New prices are given out in October for the following year. Basic insurance\u2019s services remain the same with every insurer; only the quality of the administrative reception may vary. Don\u2019t hesitate to compare premiums every year and even switch insurance. Pay attention to cancellation delays however.<\/p>\n\t<\/div>\n<\/div><div class=\"unine-text-block__wrapper mb-sixth\">\n\t<div class=\"unine-text-block\">\n\t\t<h2>Picking an insurer<\/h2>\n<p>You are free to choose your own insurer; you can consult the list of recognized and authorized health insurances in the canton of Neuch\u00e2tel. An insurer cannot refuse your application, whatever your age or health, and without reticence or delay. Your deadline for applying with a health insurance is at most three months after you\u2019ve declared yourself as a resident of your commune.<\/p>\n\t<\/div>\n<\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1650989306171{margin-top: 60px !important;}&#8221;]<div class=\"unine-image__wrapper \">\n\t\t\t<a class=\"d-inline-block magnific-image\" href=\"https:\/\/www.unine.ch\/welcomedesk\/wp-content\/uploads\/sites\/17\/0031-general.svg\" title=\"\" aria-label=\"\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.unine.ch\/bibliotheque\/wp-content\/uploads\/sites\/17\/0031-general.svg\" srcset=\"\" alt=\"\" title=\"\" class=\"unine-image    mb-eighth\" width=\"122\" height=\"122\" \/>\t\t<\/a>\n\t<\/div>\n<div class=\"unine-text-block-small__wrapper mb-sixth\">\n\t<div class=\"unine-text-block-small font-size-4\">\n\t\t<h3 class=\"boxTitle\">Further Information<\/h3>\n<hr \/>\n<div class=\"box box00 box_skin1\">\n<div class=\"freeText\">\n<ul class=\"standard_list\">\n<li><a href=\"https:\/\/intranet.unine.ch\/srh\/\">Health insurance &#8211;<\/a>\u00a0 UniNE&#8217;s social service<\/li>\n<li><a class=\"external\" href=\"https:\/\/www.bag.admin.ch\/bag\/en\/home\/versicherungen\/krankenversicherung.html\" target=\"_blank\" rel=\"noopener\">Health insurance<\/a> &#8211; Federal Office of Public Health FOPH<\/li>\n<li><a class=\"external\" href=\"https:\/\/www.ch.ch\/fr\/sante\/assurance-maladie\/\" target=\"_blank\" rel=\"noopener\">Health insurance<\/a> &#8211; The Swiss Portal<\/li>\n<li><a class=\"external\" href=\"http:\/\/www.assurance-info.ch\/en\/default.htm\" target=\"_blank\" rel=\"noopener\">Insurances for Switzerland<\/a><\/li>\n<li class=\"last\"><a class=\"external\" href=\"http:\/\/www.assurance-info.ch\/doc_assurances.htm\" target=\"_blank\" rel=\"noopener\">Letter models &#8211;<\/a>\u00a0Insurances-info.ch<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row margin_bottom=&#8221;mb-0&#8243;][vc_column][\/vc_column][\/vc_row][vc_row margin_bottom=&#8221;mb-full&#8221;][vc_column width=&#8221;2\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1650989306171{margin-top: 60px !important;}&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":281,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"ep_exclude_from_search":false,"footnotes":""},"wf_page_folders":[],"class_list":["post-285","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/pages\/285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/comments?post=285"}],"version-history":[{"count":4,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/pages\/285\/revisions"}],"predecessor-version":[{"id":345,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/pages\/285\/revisions\/345"}],"up":[{"embeddable":true,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/pages\/281"}],"wp:attachment":[{"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/media?parent=285"}],"wp:term":[{"taxonomy":"wf_page_folders","embeddable":true,"href":"https:\/\/www.unine.ch\/welcomedesk\/en\/wp-json\/wp\/v2\/wf_page_folders?post=285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}