Do you have any questions about the coronavirus?

Here you will find answers regarding the benefits that SWICA will pay, who you can contact if you have medical questions, and what you can do if you have symptoms. For questions that do not concern SWICA, please consult Federal Office of Public Health (FOPH).

Further up-to-date information on the coronavirus is available here:



Information website of the Swiss Federal Office of Public Health (FOPH)
Cantonal points of contact

The coronavirus test is paid for by SWICA in accordance with the rules as a mandatory benefit under basic insurance; the co-payment and deductible will be calculated.
We do not cover costs for protective masks, disinfectants or other preventive products under basic or supplementary insurance.
If a client is so ill that he has to be admitted to hospital, this is a mandatory benefit under basic insurance in accordance with the Federal Health Insurance Act (KVG).
Yes. COVID-19 is covered by the Federal Health Insurance Act (KVG).
Depending on your insurance cover, essential treatment, emergency transport or repatriation costs may be covered in the event of illness abroad. In cases of this kind, please contact santé24 immediately by phone to discuss your insurance cover and what steps to take next. The specialists at santé24 will provide you with personal support if you have questions and help you to organize appropriate measures wherever you are.
Unfortunately, travel costs are not covered under your basic insurance policy. If you have taken out VACANZA travel insurance with SWICA, accommodation and travel costs incurred for medical reasons are covered. In cases of this kind, please contact santé24 immediately by phone to discuss your insurance cover and what steps to take next. The specialists at santé24 will provide you with personal support if you have questions and help you to organize appropriate measures wherever you are. Phone santé24: +41 44 404 86 86
Cancellation costs are not covered under basic insurance. Travel cancellation insurance is required to cover these costs. SWICA does not offer this type of insurance. You may have taken out a policy of this kind with a different insurer.</br>
Tip: If you have not taken out travel insurance, contact your travel agent or the airline to find out whether appropriate cover or compensation is provided. If the trip was paid for by credit card, the credit card contract will often provide cover for events of this kind.
If the employee has symptoms that match or are similar to those of Covid-19, or if an infection with Covid-19 has been confirmed, SWICA will pay benefits from the daily sickness benefit insurance.
From when must an employee who is ill submit a medical certificate to SWICA?
If an employee is ill and incapacitated, SWICA assumes that the doctor will issue a certificate of incapacity for work. However, due to the current situation with the coronavirus, SWICA is waiving its requirement of medical confirmation of incapacity for work for 14 days.
No, because the insurance covers only loss of earnings due to illness. In the case described, the insured person has no symptoms, and the company therefore cannot claim daily sickness benefits.
No, because the insurance covers only loss of earnings due to illness. In the case described, the insured person has no symptoms, and the company therefore cannot claim daily sickness benefits.
No, because the insurance covers only loss of earnings due to illness. In the case described, the insured person has no symptoms, and the company therefore cannot claim daily sickness benefits.
No, because the insurance covers only loss of earnings due to illness. In the case described, the insured person has no symptoms, and the company therefore cannot claim daily sickness benefits.
No, because the insurance covers only loss of earnings due to illness. In the case described, the insured person has no symptoms, and the company therefore cannot claim daily sickness benefits.