Non-EU/EFTA students

Please note the following:

ETH Zurich does not make any recommendation as to which health insurance company you should choose and has no advantages by listing the products below. They are the products recognized by the Health Department of the Canton of Zurich. The choice of a suitable health insurance is solely up to you.
 

How to get a new insurance  

If you are from a non-EU country and do not hold a European Health Insurance Card, you will have to take out a Swiss insurance. Please choose among the following options (in alphabetical order):

Academic Care by Groupe Mutuel is a student insurance package for international students at very cheap rates. Academic Care doesn't operate under the KVG law, so you will have to apply for an "exemption from the Swiss health insurance obligation according to the KVG law" if you decide to take it!

Monthly premiums for students under 25 (for details about when exactly you fall into the next age category, please refer to the DownloadSpecial Terms and Conditions (PDF, 167 KB))

  • CHF 95 (from 1 Sept 2022: CHF 100) (with an annual deductible of CHF 500)
  • CHF 110 (from 1 Sept 2022: CHF 115) (with an annual deductible of CHF 100)
  • CHF 115 (from 1 Sept 2022: CHF 120) (with an annual deductible of CHF 0)

Monthly premiums for students over 25:

  • CHF 150 (from 1 Sept 2022: CHF 185) (with an annual deductible of CHF 500
  • CHF 170 (from 1 Sept 2022: CHF 205) (with an annual deductible of CHF 100)
  • CHF 175 (from 1 Sept 2022: CHF 210) (with an annual deductible of CHF 0)

If you choose Academic Care, there will be no additional cost contribution of 10%.

Please go ahead as follows:

  1. Wait for the letter from the authorities "Städtische Gesundheitsdienste" informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (Academic Care) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
    If you live outside the city of Zurich, the procedure will be different and you may not receive a letter. You should ask about it at the municipal administration ("Gemeindeverwaltung") when you apply for your residence permit.
  2. Open external pagewww.groupemutuel.ch/eth and read everything carefully. Decide on your annual deductible (CHF 500, CHF 100 or CHF 0). Please follow the instructions on the website carefully. Should you have any questions, contact the person mentioned on the Groupe Mutuel website. We do not recommend to go to a Groupe Mutuel angency in person since the staff there will not be familiar with the procedures of this specific product.
  3. Print and complete the external pageinsurance proposal and send it to the address mentioned on the Groupe Mutuel website (by post or email). Please include a copy of your residence permit and a confirmation of matriculation at ETH Zurich
  4. Wait for the insurance policy and the insurance card to be sent to you by post.
  5. Apply for the exemption from the KVG insurance obligation by using this link: external pagehttps://www.zh.ch/en/gesundheit/krankenversicherung.html (-> KVG exemption application). During the process you will be asked to upload a confirmation of registration at ETH and your Academic Care insurance policy.
  6. The procedure is complete once you have received the final approval of your exemption request from the Health Department of the Canton of Zurich (Gesundheitsdirektion). This can take several months. Check your email spam folder regularly! It happens that students miss important emails from the Health Department because they landed in their spam folder.

Important:

Academic care is NOT available if you live in one of the following cantons: Aargau, Neuchâtel

Scorestudies offers an exceptional student insurance package for international students at very affordable rates. Scorestudies includes higher benefits than the KVG, very often on a full refund basis and no co-payment of 10% is required. The Scorestudies' deductible is unique as it is only applicable for consultations. In case of emergency, hospitalisation or prescribed medication, you are reimbursed as from the 1st CHF. 

You will need to apply for an "exemption from the Swiss health insurance obligation according to the KVG law" in order to benefit from it.

Monthly premiums (Essential plan) for students up to 29:

CHF 64 (with an annual deductible of CHF 1500)
CHF 73 (with an annual deductible of CHF 1000)
CHF 134 (with an annual deductible of CHF 500)

Monthly premiums (Essential plan) for students that are 30 and above:

CHF 100 (with an annual deductible of CHF 1500)
CHF 120 (with an annual deductible of CHF 1000)
CHF 206 (with an annual deductible of CHF 500)

Check out the Premium plan for a worldwide coverage (including dental and optical coverage). Switching between plans is possible. Scorestudies also offers policyholders the option of taking out private liability insurance and/or a household contents insurance in addition to health insurance.

Above that 24/7 multilingual support is provided and most medical claims are reimbursed within 2 working days (MyHealth App)

Please go ahead as follows:

  1. Wait for the letter from "Städtische Gesundheitsdienste" informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (Scorestudies) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
    If you live outside the city of Zurich, the procedure will be different and you may not receive a letter. You should ask about it at the municipal administration ("Gemeindeverwaltung") when you apply for your residence permit.
  2. Visit external pagewww.scorestudies.ch/en/apply, read everything carefully and apply online for your preferred insurance plan (Essential or Premium).
  3. Follow the instructions and wait until you receive your insurance policy and card by email in 2 business days.
  4. Apply for the exemption from the KVG insurance obligation by using this link: external pagehttps://www.zh.ch/en/gesundheit/krankenversicherung.html (-> KVG exemption application). During the process you will be asked to upload a confirmation of registration at ETH and your Scorestudies insurance policy with the terms and conditions.
  5. The procedure is complete once you have received the final approval of your exemption request from the Health Department of the Canton of Zurich (Gesundheitsdirektion). This can take several months. Check your email spam folder regularly! It happens that students miss important emails from the Health Department because they landed in their spam folder.  

Important:

Scorestudies is accepted in ALL cantons!  

Student Care by SWICA is a student insurance package for international students at very cheap rates. Student Care doesn't operate under the KVG law, so you will have to apply for an "exemption from the Swiss health insurance obligation according to the KVG law" if you decide to take this package!

Monthly premiums for students under 25 (higher prices for students over 25):

  • CHF 91.70 (with an annual deductible of CHF 500)
  • CHF 96 (with an annual deductible of CHF 300)

Please go ahead as follows:

  1. Wait for the letter from the authorities "Städtische Gesundheitsdienste" informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (SWICA - Student Care) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
    If you live outside the city of Zurich, the procedure will be different and you may not receive a letter. You should ask about it at the municipal administration ("Gemeindeverwaltung") when you apply for your residence permit.
  2. Scan/photograph your ETH confirmation of matriculation and your residence permit in good quality and save both on your computer. These documents have to be uploaded later on during the online application process.
  3. Complete the online application form at external pagewww.swica.ch/en/eth-student-care and submit it.
  4. You will receive a confirmation email containing your insurance proposal. This is for your guidance only. It does NOT have to be sent anywhere!
  5. Wait for the insurance policy and the insurance card to be sent to you.
  6. Apply for the exemption from the KVG insurance obligation by using this link: external pagehttps://www.zh.ch/en/gesundheit/krankenversicherung.html (-> KVG exemption application). During the process you will be asked to upload a confirmation of registration at ETH and your Student Care insurance policy.
  7. The procedure is complete once you have received the final approval of your exemption request from the Health Department of the Canton of Zurich (Gesundheitsdirektion). This can take several months. Check your email spam folder regularly! It happens that students miss important emails from the Health Department because they landed in their spam folder.

Important:

ONLY available for students who live in the cantons of Zurich and Vaud.
 

With "studentplan", Swisscare offers a student insurance package for international students at very cheap rates. Swisscare doesn't operate under the KVG law, so you will have to apply for an "exemption from the Swiss health insurance obligation according to the KVG law" if you decide to take this package!

Monthly premiums (Standard plan) for students up to 31:  

  • CHF 61 (with an annual deductible of CHF 1500)
  • CHF 65 (with an annual deductible of CHF 1000)
  • CHF 83 (with an annual deductible of CHF 500)
  • CHF 99 (with an annual deductible of CHF 300)

Monthly premiums (Standard plan) for students over 32:

  • CHF 81 (with an annual deductible of CHF 1500)
  • CHF 85 (with an annual deductible of CHF 1000)
  • CHF 102 (with an annual deductible of CHF 500)
  • CHF 118 (with an annual deductible of CHF 300)

In addition, you will have to pay the standard cost contribution of 10%.

Please go ahead as follows:

  1. Wait for the letter from the authorities "Städtische Gesundheitsdienste" informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (Swisscare) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
    If you live outside the city of Zurich, the procedure will be different and you may not receive a letter. You should ask about it at the municipal administration ("Gemeindeverwaltung") when you apply for your residence permit.
  2. Visit external pagehttps://swisscare.com/, choose "Student Insurance" and follow the instructions. Read everything carefully, compare the 3 different insurance plans (Standard, Comfort, Premium) and decide on which one suits you best.
  3. Open the confirmation email and follow the instructions.
  4. Apply for the exemption from the KVG insurance obligation by using this link: external pagehttps://www.zh.ch/en/gesundheit/krankenversicherung.html (-> KVG exemption application). During the process you will be asked to upload a confirmation of registration at ETH and your Swisscare insurance policy.
  5. The procedure is complete once you have received the final approval of your exemption request from the Health Department of the Canton of Zurich (Gesundheitsdirektion). This can take several months. Check your email spam folder regularly! It happens that students miss important emails from the Health Department because they landed in their spam folder.  

Important:

Swisscare is accepted in ALL cantons!
 

Of course you are free to choose a KVG insurance on your own by using one of the online premium comparison services.

Please go ahead as follows:

  1. Wait for the letter from the authorities informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
    If you live outside the city of Zurich, the procedure will be different and you may not receive a letter. You should ask about it at the municipal administration ("Gemeindeverwaltung") when you apply for your residence permit.

  2. Visit external pagewww.comparis.ch or external pagewww.priminfo.ch (available in German, French, Italian) and choose your favoured insurance plan.
  3. Oder an offer online via Comparis / Priminfo or visit the website of the insurance company you chose and order it via that website.
  4. Wait for the offer, sign it and send it back to the insurance company.
  5. Inform yourself about an IPR (premium reduction), for which you can apply once you have been living in the same canton for at least 3 months.

Please check out our example letters if you are unsure about the content of a letter you have received from an authority!

Non-EU/EFTA students with a private insurance from their home country

Citizens of non-EU/EFTA countries with a private insurance from their home country could theoretically also apply for an exemption. Please note: It is EXTREMELY rare that such exemption requests are approved and we strongly recommend buying a Swiss health according to the instructions above.

If you nonetheless would like to try to be exempt from the Swiss health insurance obligation, please follow the instructions in the

In case your application for an exemption has been refused by the Health Department of the Canton of Zurich («Gesundheitsdirektion»), your immediate reaction will be extremely important in order to avoid that you will be forcefully insured!  

Billing procedure / How to get your money back

After you have seen a doctor you have to do the following:

  1. Wait for the doctor’s bill which usually is sent to your address a few weeks after the treatment and includes the bill (with a payment slip, payable within 30 days) and a reimbursement certificate ("Rückforderungsbeleg", see example).
  2. Pay the bill to the doctor within 30 days
  3. Send the reimbursement certificate to your insurance company according to the instructions:

    Academic Care
    : use the external pageGMapp or by post
    Scorestudies:
    use the app external pageMyHealth or send your bills by email to  
    Student Care: use the external pageSWICA invoice app or by post
    Swisscare
    : online claim form in the "documents center" on the external pageSwisscare website
    KVG insurance plan: follow the instructions you received from your insurance company
     
  4. Wait for the money to be paid to your account.

If your insurance company is too slow with the reimbursement and you are unable to pay the doctor’s bill, please call the doctor’s practice and ask them to stop any legal proceeding!

If you have been treated in a hospital, the bill is directly sent to your insurance company. In this case you will receive the bill for the deductible/cost contribution directly from your health insurance company. You have to pay that bill and cannot claim anything back!

How to cancel your insurance before departure

Don't forget to cancel your insurance contract before you leave Switzerland! Please go ahead as follows: 

  • Get a deregistration confirmation ("Abmeldebestätigung", see Downloadexample (PDF, 285 KB)) from the city hall (outside the city of Zurich: the municipal administration office). Deregistration is possible 30 days before departure at the earliest. 
  • Inform your insurance company about the exact departure date and send them the deregistration confirmation.

All student insurance providers will refund unused (full) insurance months. The refund can be made to your Swiss bank/post account (agree with your bank/post to only close the account once refunds are made).

If the refund has to be made to your foreign account you will bear the transaction costs – this can become expensive.

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