Sickness and accident insurance for students

Every person domiciled/resident in Switzerland is obliged to take out health insurance within three months of entering Switzerland. Compulsory health insurance covers the costs of treatment in the event of sickness or accident. This obligation applies also to students who reside in Ticino for study purposes, namely within 3 months they have to choose an insurance company of their choice.

During the application procedure for a permit to study in Ticino, students will receive a request from the competent Swiss authorities to register with a health insurance company. However, it is the student's responsibility to act proactively in order to regulate his or her position with regard to insurance issues within the prescribed time limits.
If the deadlines are not met, the respective authorities will assign an insurer at their discretion. The benefits of compulsory health insurance are the same for all insurers and, in some cases, special packages are offered for foreign students.

All aspects of the insurance are the responsibility of the student; SUPSI does not assume any responsibility for any negligence and non-observance of the terms provided for by law on the part of the student.

Exemption request

Students insured abroad who have a European Health Insurance Card (EHIC) are not subject to the insurance obligation in accordance with the Swiss Federal Law on Compulsory Health Care (Art. 2 para. 1 lit. G. OAMal - Ordinance on Compulsory Health Care) or who, upon request, have been exempted because they have equivalent insurance cover for treatment in Switzerland (Art. 2 para. 4 OAMal), generally of unlimited coverage.

Students wishing to apply for exemption must contact the Social Insurance Institute (IAS) in Bellinzona, and complete one of the following forms and send it, along with the attachments required in the document necessary or verification, to the IAS:

Foreign students who cannot take advantage of these exceptions must, however, make sure that the payment of premiums and contributions for the costs of compulsory health care insurance under LAMal is met entirely with their own financial means, under penalty of non-issuance, revocation or refusal of renewal of the residence permit (B or L). In this regard, we would like to point out that the regulations governing admission to Switzerland for stays as part of training or further education make the issue and renewal of the permit (B or L) subject to confirmation - by means of a declaration to that effect - that the necessary financial resources exist, not only to attend courses but also to meet one's own needs (see Art. 27 Lstr and 23 OASA).

In the point described above, the application for the reduction of premiums in the compulsory sickness insurance is, according to the legislation on immigration, a lack of financial means which then leads to the non-release of the residence permit, its revocation or refusal to renew by the competent cantonal authority.

In order to provide its students with adequate insurance cover at an affordable price, SUPSI has stipulated a group insurance policy with Europäische Reiseversicherungs AG (ERV) and Swisscare Switzerland AG, the Swisscare group insurance policy. The latter provides basic cover in the event of illness, accident and maternity equivalent to that provided by compulsory health insurance under the Federal Health Insurance Act (LAMal), but at a much more affordable cost.

Swisscare

Special terms and conditions
This offer is valid exclusively for non-EU students admitted to one of SUPSI's Bachelor and Master programmes, under the condition that they have obtained a residence permit in Switzerland for study purposes. The monthly premium for students amounts to CHF 89.10 per month. The annual franchise (deductible) per insured person amounts to CHF 300 plus a percentage rate of 10% up to CHF 700 per calendar year.
The general terms and conditions and the list of benefits can be found at the following Link. Please note that only the "Standard" insurance plan is available for SUPSI students.

Admission
It is compulsory to take out insurance within three months of entering Switzerland and the start date of the insurance contract must coincide with the date of entry into the country. The process of adhesion to Swisscare involves several steps and takes time, so there is no guarantee that applications for enrolment received close to the end of the compulsory period will be accepted.
Registration must be made online via the following link.
Following registration, the insured person will receive an e-mail from Swisscare Switzerland AG to activate his/her personal customer account. This will be followed by a further communication containing information on the next steps to be taken to complete the registration process.

Billing
Swisscare Switzerland AG will carry out invoicing of premiums and any participation to the medical costs. The insured person will receive an invoice at the beginning of each semester or at the beginning of his stay (in case of stays shorter than 3 months) covering the insurance period. The payment period for invoices is 30 days from the date of issue. No payment is granted in instalments. Please note that in the event of arrears with the payment of Swisscare invoices, SUPSI will not issue certificates of attendance, Transcript of Records and even less the diploma at the end of the studies.
Further information on payment and reimbursement of medical expenses can be found in the guideline document on the right under Swisscare documents.

Start and end of the insurance coverage
Insurance cover begins on the start date indicated in the insurance certificate or on the day of entry into Switzerland at the earliest.  The insurance contract ends on the same day the insured person:
● has completed his/her education period in Switzerland
● has left Canton Ticino permanently (date of departure)
● has transferred his/her residence outside Switzerland
● no longer meets the requirements of cantonal regulations
● is required to take out a Swiss LAMal insurance policy
● is married to a Swiss citizen (date of marriage certificate)
● has obtained a residency permit C (date of the permit)
More information on the termination of insurance cover can be found in the guidelines document on the right under Swisscare documents.

Obligations of the insured / policy holder
The insured person is responsible for notifying both Swisscare Switzerland AG and SUPSI about:
● changes of address
● changes of residence permit
● the end of studies
● definitive departure from Ticino or Switzerland

Students resident abroad during their studies

Students who maintain their residence in their country of origin and who return to their home country daily in the evening, are not obliged to take out insurance in Switzerland, but have to inform themselves regarding the rules in force in their country for health issues during their studies in Switzerland. In the event of an emergency, such students may receive treatment in Switzerland, but must then, if they are unable to pay the necessary deposit or if they are not sufficiently covered in their country of origin, return home to undergo further treatment.

Insurance during educational activities in Switzerland

For educational activities outside of SUPSI premises (professional training, study trips, etc.), please check any arrangements for your insurance situation with the degree course / departmental secretariats.
SUPSI has an insurance that covers third party liability of the students in case of physical or material damages to third parties occurring during the time of work/study outside SUPSI.

st.wwwsupsi@supsi.ch