The advantages
Insured from your first day of work.
Insured in Switzerland and your country of residence.
Insurance possible for the whole family.
The benefits you receive
The basic insurance pays for medically required benefits in the event of illness, accident and maternity. Treatments may take place in your country of residence or in Switzerland. In other words, you have a right to choose where to get treatment.
ÖKK will pay the statutory benefits in the country of treatment after deducting the cost contributions applicable in the country of treatment.
How much does basic insurance for cross-border workers cost?
Do you live in the EU/EFTA but work in Switzerland? Then as a cross-border worker, you are required to take out health insurance in Switzerland.
Complete the form below and we will send you a personal, non-binding quote for ÖKK EUROLINE.
How the cross-border workers model works
In the event of illness
- In any situation, you yourself decide which medical expert you contact – if necessary, you can contact a specialist directly.
- Always present your ÖKK insurance card for treatment in Switzerland or outside your country of residence. We issue European forms for treatments in your country of residence.
- The benefits are settled with the KVG joint institution via the provider in your country of residence.
- Submit your doctor’s bills and claim documentation to ÖKK for treatments in Switzerland.
Emergency
- In case of emergency in the EU, you can contact your nearest hospital or emergency doctor.
- ÖKK will bear the costs for the emergency medical treatment.
Questions and answers (FAQ)
Within the EU/EFTA, the insurance obligation is based on the place in which you work or receive a pension, rather than on your place of residence. Cross-border workers in Switzerland are therefore required by law to take out insurance in Switzerland.
Family members not in gainful employment who live in the EU/EFTA must also be insured in Switzerland. The family members must apply to take out the insurance themselves in writing using a form. Premiums are calculated and invoiced per family member. Family members who work or receive a pension in their country of residence must take out insurance there.
You have the right to choose whether to get treatment in Switzerland or your country of residence. For treatment in Switzerland, you must always present the ÖKK insurance card to the service providers. You can submit doctor’s bills and claim documentation directly to ÖKK.
When you take out basic insurance for cross-border workers, we send the relevant European forms to the liaison office in your country of residence. You are then registered with this office and can submit your doctor’s bills directly to it for assessment and processing.
Cost contributions are determined by the statutory provisions in your country of residence.
The following cost contributions apply for treatments in Switzerland:
First, you pay the standard deductible (CHF 300 for adults / CHF 0 for children) yourself. After that, the insurance covers 90% of the additional costs; you have to pay the remaining 10% (known as the excess).
There is an annual limit on the excess: adults pay a maximum of CHF 750, and children a maximum of CHF 350 per year. A hospital cost contribution is charged for hospital stays on a general ward.
Request a offer
Do you have any questions?
We will be happy to help you if you need further information or would like to arrange a no-obligation consultation.
