Ehic and swiss health insurance

Finance, Taxes, Banking, Insurance and Retirement
1
Hi all

I have just had an accident in France with currently unknown medical bills and I want to better understand the Ehic system. My understanding is that i will receive 80 percent of my medical expenses back. My question is will my insurance company in Switzerland deduct my excess from what i receive back or will i get the whole 80 percentish?

Thanks in advance

2
Hiya are you resident in Switzerland or a tourist ? Also can you tell us if you are currently employed ?

3
Do you work? Do you have accident insurance through your employer?

If through your employer they will pay 100% of your bills. If through your health insurance they will pay 100% up to twice what it would cost in CH minus your deductable.

The EHIC may reduce what they charge you in the first place.

4
Hiya swiss resident not employed

5
Then health insurance will pay what they normally pay in Switzerland. Ie 100% of costs after deductible and co-pay part (up to twice what it would cost in Switzerland). The EHIC just entitles you to the price a French person would pay.

6
Ok as the others say, they they will pay bur with deductible because you are not employed so your accident is through your same insurance as your maladie.

7
And do you have accident insurance?

A relative of mine was sick as opposed to an accident on holiday in France and the insurance just treated it as if he was getting treatment in Switzerland. Expect he some how had a FU and did not use his EHIC and the insurance reduced all prices to what he would have been charged!

8
Fair enough I guess. If he’d shown his EHIC and the bill would’ve therefore been lower, why would the insurance pay for the difference?

9
Sorry to hear about your accident. Hope you are recovering.

I think it is important to notify the Swiss health insurance asap-I know mine has a form which you can complete online.

The insurer might be asking if and when you might be able to return to Switzerland.

If you are able, it might be best to call your insurer and speak to them directly.

10
Generally speaking for insurance claims, you are required to make reasonable efforts to minimise the claim....