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.
The Swiss federal government is no longer paying for the cost of coronavirus self-tests. As a result, SWICA cannot cover this cost. If you have symptoms of coronavirus or have been in contact with someone who has tested positive, you should still get tested by an official test provider (pharmacy, doctor, test centre, etc.).
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. 
Since the government is not currently recommending serologic antibody tests, SWICA cannot cover their cost. There is currently some debate about whether serologic tests will soon be recommended (for example to issue a Covid certificate).
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.

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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Calls are returned during business hours, at the earliest two hours after the form has been sent.

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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