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Health and accident insurance for foreign students.

Are you resident in Switzerland for training or professional development purposes, and would you like to have full financial protection? As a leading health and accident insurer, SWICA offers you outstanding medical care, financial security and active support in the event of illness or accident. With STUDENT CARE insurance you enjoy insurance cover which includes the catalogue of services that is mandatory under the Federal Health Insurance Act (KVG).

Attractive and comprehensive. STUDENT CARE from SWICA.

Exclusive offer
Students at ETH Zurich
enjoy particularly attractive

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We would be delighted to hear from you and give you professional and personal advice. 

SWICA is proud to have received top ratings for customer satisfaction and image in independent surveys conducted by companies such as Comparis, K-Tipp and amPuls. With STUDENT CARE health and accident insurance you too can enjoy the outstanding customer service and attractive advantages currently enjoyed by SWICA customers.

Calculate the premium and buy online now

Your advantages and benefits at a glance.

The advantages of STUDENT CARE

  • Comprehensive cover for illnesses or accidents that accords with mandatory healthcare insurance under the Federal Health Insurance Act
  • santé24 – your Swiss telemedicine service is there to answer your health-related questions – free of charge and around the clock.
  • Selectable annual excess of CHF 300, or CHF 500 for outpatient and inpatient treatment
  • No deductible for the cost of services that exceeds the annual excess
  • No medical exam necessary when taking out insurance
  • Worldwide protection with SWICA’s prior commitment to provide cover

The benefits at a glance

SWICA sante24

santé24 – your Swiss telemedicine service

Medical specialists answer your questions about health and help you to find suitable doctors or therapists. Available 24/7.

SWICA ambulante Behandlung


Outpatient treatment, conventional medicine            

Treatment by contracting physician and other approved health professionals such as e.g. chiropractors, midwives. Full cover

SWICA Medikamente


As per recognised list of medicines and special items, if prescribed by physician




General ward in hospitals of the canton of residence or current location based on the rate valid for the canton of residence

SWICA Alternativmedizin

Alternative treatments, complementary medicine

Anthroposophic medicine, traditional Chinese medicine, homeopathy and herbal medicine; costs are covered based on the rate of the canton of residence for doctors certified (FMH) in the applicable discipline

SWICA Medizinische Check-ups zur Früherkennung von Krankheiten

Medical check-ups for early diagnosis of diseases

Preventive measures under the statutory benefits regulations, gynaecological check-up every 3 years

SWICA Mutterschaft


No co-payments for maternity benefits in accordance with the Health Care Benefits Ordinance; no co-payments for treatment against illness from the 13th week of pregnancy up to and including the 8th week after the birth.

Schutz-und-Reiseschutzimpfungen SWICA

Inoculation and travel vaccination

Vaccinations under the provisions of the Health Care Benefits Ordinance

Hauskrankenpflege SWICA

Home care

Examination, treatment and care as prescribed by physician

SWICA Badekuren

Spa treatment

CHF 10 per day, 21 days per year

Psychotherapie SWICA


Medical psychotherapy (no self-employed psychologists)

SWICA Brillen- und Kontaktlinsen

Glasses or contact lenses

CHF 180 per year up to age 18 (various statutory special cases as per medical examination)

SWICA verordnete Hilfsmittel

Medically prescribed aids

Statutory list of aids and appliances

Notfall-und Verlegungstransporte SWICA

Emergency transport/transfers, search and rescue operations

50% up to CHF 500 for transfers;
50% up to CHF 5,000 for emergency transport in Switzerland

SWICA Auslandbehandlung

Treatment abroad

Costs covered in emergencies up to double the rate of the general ward in the canton of residence or as per bilateral agreement with EU and EFTA countries

Zahnbehandlungen Dentalhygiene

Dental treatment and hygiene

In the case of serious illnesses of the masticatory system or if the treatment is related to a very serious general illness. Full cover in the event of dental accident (primary care)


Best medicine and first-rate treatment

SWICA offers attractive insurance solutions to ensure prompt and preferential access to top medical care, and it is part of a broad specialist network that provides the best course of recovery for its insured persons. Modern Medbase Health Centres offer medical care that is fully focused on quality and effectiveness.

Simple, rapid and secure service with the SWICA apps

SWICA Onlineservice

Thanks to the SWICA apps you can access a range of services. You can use an app to send claims-related documents to SWICA, which means that you always know which invoices you have submitted and can easily track the status of your claims. BENEVITA not only helps you to keep healthy but will also enable you to collect to bonus points and reduce your premiums. With BENECURA you have your health in your hands. If you have a health issue or become ill, you can use the SymptomCheck function to find out more about it. The result is a personal recommendation about what to do next. And you can always rely on the santé24 helpline for medical advice. BENECURA also has a medical and medication lexicon, a valuable reference work to help you to help yourself.

Downloads: Product information and General Insurance Conditions

Winner of numerous awards for outstanding customer service

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