Covid-19: What does the health insurance cover?
Swiss Risk & Care answers frequently asked questions
[Notice to readers] These are unprecedented times and some of the information given may change as the authorities respond to the economic crisis. Therefore, the information will be updated regularly.
Is the coronavirus test covered by Swiss obligatory health insurance?
Since January 28, 2021
- You have symptoms matching Covid-19.
- You receive a notification from the SwissCovid App that you’ve been in contact with an infected person. You’ll find information on this on the SwissCovid App and Contact Tracing site.
- The cantonal office or a doctor orders you to have a test as part of the quarantine or an outbreak investigation.
- You are called for a test to prevent a large-scale outbreak, for example in schools, ski areas, in certain regions, etc. In this case you will be contacted by the cantonal office.
- You have a test to protect vulnerable people, for example before visiting a hospital or retirement or care home. In this case you will be invited for a test directly by the establishment in question.
- You want to leave quarantine early and get tested from day 7
- You need a negative test result for travel.
- You are being tested at the request of your employer.
- The test is carried out abroad.
- The test is part of precautionary measures for hotels, fairs, international conventions, concerts and sporting events or at the workplace.
- Testing is voluntary. Employers cannot oblige employees to have a test, and employers are not entitled to be notified of the medical findings on their employees.
- All rapid tests must always be done by trained medical personnel.
- A positive result from a rapid test must always be confirmed with a PCR test. The Federal Government will pay the costs of the confirmatory PCR test.
- The use tests is no substitute for the existing hygiene and social distancing rules or precautionary measures.
Between June 25, 2020 and January 27, 2021
- The prescribing doctor specifies directly on her or his lab request form whether the test is carried out because of illness or because prescribed by the cantonal head physician. Please be aware: There is no reimbursement for voluntary tests request solely by the person who wants to get tested.
- The testing laboratory invoices the costs according to the doctor's prescription.
Between March 4 and June 24, 2020
Before 4th March, 2020
Are protective masks, disinfectants and other preventive products reimbursed?
The health insurers don’t pay any benefits for protective masks, disinfectants and other preventive products.
Who pays for coronavirus treatments?
The obligatory health insurance reimburses both laboratory and medical costs, regardless of the test result.
Legal co-payment amounts (deductible and 10% retention fee) apply.