Do you need to make an appointment or schedule a procedure at Hôpital de La Tour and want to know how much of the cost will be covered by your insurance? Do you want to make sure you are covered if you need emergency care?
What your insurance actually covers depends on a number of factors and we cannot give a definitive answer until we have looked into the specifics of your personal situation. However, the general information below will provide some initial guidance about what your insurance may and may not cover.
To help you find the information that is relevant to you, please select the most applicable option from the following:
| My insurance cover includes cover provided by the Swiss social security system (health insurance, accident insurance, disability insurance, etc.)1Health insurance (LAMal) and accident insurance (LAA) through the Swiss social security system is mandatory for Swiss residents (with the exception of people working for international organizations or on foreign postings) and is open to people performing cross-border telework. | I have insurance cover that is not part of the Swiss social security system (for people employed by or retired from the international organizations, with international insurance, on a foreign posting, etc.)2This applies to Swiss residents who work for international organizations or are on foreign postings, or to foreign residents with the exception of cross-border workers in receipt of health insurance (LAMal) or accident insurance (LAA) cover through the Swiss social security system. |
|---|---|
| > I want to understand my cover for outpatient appointments or procedures |
> I want to understand my cover for outpatient appointments or procedures |
| > I want to understand my cover for inpatient hospital stays | > I want to understand my cover for inpatient hospital stays |
1 Health insurance (LAMal) and accident insurance (LAA) through the Swiss social security system is mandatory for Swiss residents (with the exception of people working for international organizations or on foreign postings) and is open to people performing cross-border telework.
2 This applies to Swiss residents who work for international organizations or are on foreign postings, or to foreign residents with the exception of cross-border workers in receipt of health insurance (LAMal) or accident insurance (LAA) cover through the Swiss social security system.
Outpatient Insurance Cover through the Swiss Insurance System
As set by the Swiss Health Insurance Act (Loi sur l’assurance maladie, LAMal) and Accident Insurance Act (Loi sur l’assurance accident, LAA) respectively, the mandatory Swiss health insurance and accident insurance cover the costs related to outpatient care, including medical appointments, diagnostic examinations, treatment sessions, and procedures that do not require you to spend the night in hospital. This applies to both planned and emergency services, whichever Swiss canton (state) you live in.
The co-payment (the portion of the costs that is not covered by your insurance and that you need to pay) depends on your deductible. There is also a percentage contribution paid by patients. These are out of the control of Hôpital de La Tour. You can find more information on this topic on the website of the Swiss Federal Office of Public Health (FOPH).
In some cases, Hôpital de La Tour offers additional private services for outpatient procedures (such as a choice of doctors, a choice of date and rapid access, and hospitality services). These additional private services are not covered by the Swiss social insurance system (LAMal, LAA, etc.) and patients have to pay for them themselves.
Inpatient Insurance Cover through the Swiss Insurance System
Inpatient care at Hôpital de La Tour refers to all admissions to the hospital for at least one night, both in an emergency and for planned procedures. Hôpital de La Tour offers private and semi-private care that give patients access to a wide range of additional services, such as the option to choose your doctor and the date of your procedure, a dedicated medical team, a personalized care pathway, and hospitality services to improve your stay (e.g. a private room or a room with only two beds).
Under the Swiss insurance system, the cost of private or semi-private inpatient admissions is split into two parts. Mandatory healthcare insurance under the Swiss Health Insurance Act (LAMal) and accident insurance under the Swiss Accident Insurance Act (LAA) cover the part of the cost that relates to your basic care3. Any additional medical, hospital, and hospitality services can be covered by supplementary hospital insurance or paid for directly by you.
3 The basic health insurance (LAMal) covers 45% of the cost of your basic care, and your canton or supplemental insurance covers the remaining 55%. Otherwise, accident insurance (LAA) covers 100% of the cost.
Approved Supplemental Insurance
At Hôpital de La Tour, we work with most supplemental hospital insurance providers and have signed agreements with them to simplify the administrative processes involved. It is difficult to provide general information on this topic because of the wide range of products offered by supplemental hospital insurance providers, and because of the general and specific conditions that apply to each individual insurance policy. To reduce the administrative burden on you, we will therefore ask your insurance provider for a payment guarantee before any planned procedure.
For information purposes only, these are the main supplemental hospital admission insurance providers with which we have a full, restricted, or no agreement in place (in alphabetical order):
| The main Swiss health insurance providers we have a full agreement with | Allianz, Atupri, CSS, EGK, Groupe Mutuel, Helsana, ÖKK, Sanitas, Swica, Sympany, Visana |
|---|---|
| The main Swiss accident insurance providers we have a full agreement with | AXA/Winterthur, Bâloise, Generali, Helvetia, La Mobilière, Vaudoise, Zurich |
| Swiss insurance providers with restrictions | Assura (only the ULTRA products), Concordia |
| Main Swiss insurance providers we have no agreement with | CPT/KPT, Innova |
Co-Payment
The co-payment you will have to make (the portion of the costs that is not covered by your insurance) depends on your deductible and your insurance policy. A percentage contribution paid by patients for their basic healthcare is added to this. These are out of the control of Hôpital de La Tour. You can find more information on this topic on the website of the Swiss Federal Office of Public Health (FOPH) and from your supplemental hospital admission insurance provider.
Residence outside of the Canton of Geneva
Apart from in an emergency or on medical grounds, obtaining medical care outside the canton in which you live is considered to be a personal preference under the Swiss social insurance system. Different cantons provide different levels of repayment for inpatient services. As a result, the difference between the fee applicable in your canton of residence and the fee applicable in the Canton of Geneva must either be financed by supplemental hospital insurance, or paid for directly by you.
Outpatient Insurance outside of the Swiss Insurance System
The international organizations (UN, WHO, ILO, and CERN), most foreign postings, and most international insurance providers cover the costs related to outpatient care, including medical appointments, diagnostic examinations, treatment sessions, and procedures that do not require you to spend the night in hospital, both for planned and emergency services. You should always contact your insurance provider for confirmation if in any doubt. For outpatient care, Hôpital de la Tour does not require a payment guarantee from your insurance provider.
The co-payment you will have to make (the portion of the costs that is not covered by your insurance) depends on your insurance provider and your policy. These are out of the control of Hôpital de La Tour and you must seek advice from your insurance provider in advance.
In some cases, Hôpital de La Tour offers additional private services for outpatient procedures (such as a choice of doctors, a choice of date and rapid access, and hospitality services). These additional private services are not always covered by insurance. Make sure to clarify this with your insurance provider in advance.
Inpatient Insurance outside of the Swiss Insurance System
Inpatient care at Hôpital de La Tour refers to all admissions to the hospital for at least one night, both in an emergency and for planned procedures. Hôpital de La Tour offers a wide range of additional services such as the option to choose your doctor and the date of your procedure, a dedicated medical team, a personalized care pathway, and hospitality services to improve your stay (e.g. a private room or a room with only two beds).
Approved International Organizations and Insurance Providers
At Hôpital de La Tour, we work with a wide range of international organizations and international insurance providers and have signed agreements with them to simplify the administrative processes involved. It is difficult to provide general information on this topic because of the large number of products available and the general and specific conditions that apply to each individual insurance policy. To reduce the administrative burden on you, we will therefore ask your insurance provider for a payment guarantee before any planned procedure.
For information purposes only, these are the main international organizations and insurance providers with which we have a full, restricted, or no agreement in place (in alphabetical order):
| Main international organizations | UN, WHO, ILO, CERN (UNIQA) |
|---|---|
| Main international insurance providers | Allianz, April, AXA, BUPA, CIGNA, International SOS, Medigo, VYV |
Co-Payment
The co-payment you will have to make (the portion of the costs that is not covered by your insurance) depends on your insurance provider and your policy. These are out of the control of Hôpital de La Tour and you must seek advice from your insurance provider in advance.