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Insurance information for private and corporate customers

Who can I turn to if I have questions about my insurance? Which benefits are covered in the context of the coronavirus? Who pays for loss of wages? SWICA has compiled a list of answers for you and is available to answer any further questions you may have.

More information

Customer services – we’re there for you 24 hours a day

Our customer service desks are open for you again. A range of security measures will be put in place to protect our visitors and employees. We look forward to seeing you and are of course still available for you online and by phone.

Free 24-hour hotline: 0800 80 90 80

 

SWICA customer service

 

Since 7 April 2021, five free coronavirus self-tests have been available every 30 days to insured persons resident in Switzerland. You can obtain these at any pharmacy by showing your insurance card. All associated costs are settled directly between the pharmacies and the health insurers. SWICA is then reimbursed by the federal government. The administrative burden for you is therefore zero.
Since 25 June 2020 the federal government has paid the costs of the test if the criteria set by the FOPH (Swiss Federal Office of Public Health) are met. This is the case, for example, if you have symptoms matching Covid-19 and your doctor prescribes a test for infection with the new coronavirus. A notification via the SwissCovid App of a contact with an infected person is also a criterion for cost coverage. 
The federal government will assume the cost of tests for infection with the coronavirus and antibody tests. The testing criteria of the Federal Office of Public Health apply. Antibody tests are not recommended at the present time.
 
Vaccination is free of charge to anyone who wants it. The health insurer pays for part of the vaccination, and the federal government and cantons pay for the rest.
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.

Postal deliveries to our customers outside Switzerland

Swiss Post has given notice that postal deliveries to some countries may be restricted due to the current coronavirus pandemic. You will find up-to-date information on Swiss Post’s postal services abroad here (in German).

Despite this situation, SWICA wants to makes sure we can continue to communicate with you as rapidly as possible. So from now on we’ll try to send you all non-critical and non-sensitive information by email. You can view documents containing sensitive information, such as claims settlements, policy documents and overviews of cost shares, on the mySWICA customer portal. Please use mySWICA to make sure you have access to these documents. The mySWICA portal is available as an app or web version at myswica.ch. You’ll find more information on this here. Documents that we have to send by post for formal reasons will from now on be dispatched by courier. Please fell free to contact us if you have any questions.


To the mySWICA customer portal

Corporate customers – information on loss of earnings

The basic rule is: Employees are entitled to daily sickness benefits if they are ill. This means that SWICA will grant the entitlement to benefits – in addition to other illness-related absences – if individuals exhibit symptoms that match those of coronavirus (COVID-19) or are similar to them or if it is confirmed that the individual in question has contracted the virus. SWICA assumes that a doctor will issue a certificate of incapacity for work in these cases. However, SWICA will grant a 14-day deferral.
On the other hand, there is no entitlement to benefits if employees have to go into quarantine on the instructions of the authorities or a company. In these cases, employees are not deemed to be ill or incapable of work.

If you have any further questions, please contact your usual contact person at SWICA.


Ask for advice
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.
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.
Because health is everything

Physical fitness, a balanced diet and wellbeing are important elements in a healthy lifestyle. That's why SWICA supports your personal commitment in all areas of health with annual contributions of up to 800 francs under the COMPLETA PRAEVENTA and OPTIMA supplementary insurance plans (go to detailed information).

Incidentally, supplementary insurance always provides valuable additional benefits above and beyond those available under basic insurance. It can be taken out with SWICA at any time, regardless of which insurer currently provides your basic insurance. .

SWICA is there for you

The SWICA team would be happy to assist you online or by phone if you have questions about benefits or require personal advice. Call free of charge on 0800 80 90 80 or complete the form below:



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Corona

For your health at home

SWICA supports you with medical services and advice around the clock and has useful recommendations and products for promoting health and preventing illness. Here you can get valuable tips on coronavirus checks at home, staying in shape while at home, and working from home. You can also discover the online courses and coaching sessions that SWICA supports.

All coronavirus offers 

Getting medical support and recommendations for symptoms

Staying fit and healthy at home: Tips and offers

Personal training: Why you will reach your goals more quickly

Nutrition: Tips for the immune system and offers for at home

Working from home: Setting up your workplace properly

Resilience: Strengthen your mental immune system

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