Insurance information for private and corporate customers

The coronavirus diagnostic test is paid for by SWICA under basic insurance; the co-payment and deductible will be calculated.

Given that the validity, reliability and accuracy of antibody self-tests ordered online remain disputed, no such costs will be covered. We advise against using tests of this kind. Even certified antibody tests prescribed by a doctor are not currently covered under basic or supplementary insurance.

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.

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.