Insurance card

Here you can find all the important information about your insurance card.

Using the card

Always carry your insurance card with you. You always have to show your card when obtaining medical services/benefits, for example when visiting a doctor or obtaining medication at a pharmacy without using cash. This makes it easier for these to be settled with your health insurer. This applies equally both in Switzerland and abroad. If you do not have your insurance card with you, your doctor will still treat you, but as some information is missing, the invoices for the benefits will be sent to you instead of being dealt with directly via your health insurer.

If you have concluded a basic insurance policy, the reverse side of the card is blue; this is your European insurance card. Otherwise the reverse side is white and you can only use your card in Switzerland. If you have your basic and supplementary insurance with two different insurers, then you must always show both cards.

Looking after your card

Make sure you look after your card and the related information properly. Avoid damaging the card, the magnetic strip or the chip. If you lose your insurance card, then notify your agency of this immediately. This will help prevent your card being misused in any way. Your agency will block the card straightaway and issue you with a new one.

Data on the card/magnetic strip

The chip contains your administrative data as an insured person, which is also printed on the card: last name, first name, gender, date of birth, AHV number, card number, expiry date of the card and the name of the insurer. The magnetic strip contains the card number for reader units that are not yet able to read chip cards.

Data protection and security

Thanks to the card, a service provider can access your current administrative data and your insurance cover, as necessary. On a voluntary basis, you can have your general practitioner or hospital save emergency medical data (e.g. information on illnesses or allergies) on the card so that they are available in case of emergency. However, your doctor/hospital is not obliged to save medical data on your card. ÖKK is not able to save or view such medical data.


If you have saved emergency medical data on your chip, you can protect these using a PIN code. You can activate this protection at your general practitioner. If you lose your insurance card, the data on the chip will be permanently lost unless they have been saved in advance with a service provider. Your emergency medical data must be saved again on the new insurance card. ÖKK is not aware of your emergency data or your PIN code. Data protection and data security are guaranteed at all times. You will need the PUK card if you no longer know your PIN code and need to have it reset with a service provider. The PUK code can be found on the card holder (the piece of paper the insurance card was attached to when it was sent to you). 

You can have access via your insurance card for service providers to your insurance cover blocked. Please request this in writing from your agency within 30 days of receiving your new card. Please note that this results in it no longer being possible to access or verify this information with your card. This means that you have to pay for benefits/services before receiving them. You can then forward the invoice to your agency to be reimbursed.

Medical emergencies

In the event of a medical emergency in Switzerland or abroad, please dial the corresponding emergency number listed on the front of your insurance card.

Old insurance cards

From now on, please only use your new insurance card and destroy the old card.

Legal principles

The legal principles are specified in the Federal government ordinance concerning insurance cards for compulsory health care insurance (VKK) and are based on Art. 42a of the Swiss Health Insurance Act (KVG).

More information on accident insurance can be found on the website of the Federal Office of Public Health (FOPH).

We answer the most common questions about insurance cards in the FAQ section.


Advice and contact

We would be pleased to advise you on our insurance products and services.

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