Essentials & Economics
SWISS STUDIES
Full KVG/LAMal-equivalent coverage
Deductible options: CHF 0 / 300 / 500 / 1000 / 1500
Swiss Studies - Student Health Insurance
Affordable Health Insurance for International Students in Switzerland
Swiss Studies insurance from Evasan gives you full KVG/LAMal-equivalent coverage, the same level of protection required by Swiss law, at a fraction of the cost of standard Swiss health insurance. Choose your deductible based on your budget and health needs, apply online in minutes, and receive your insurance certificate by email. Our team is available 24/7 for emergencies, and your claims are handled directly by us for the duration of your studies.
Full KVG/LAMal-equivalent coverage
Deductible options: CHF 0 / 300 / 500 / 1000 / 1500
Have questions before selecting your insurance? Browse the FAQs below or get in touch with us for personalized guidance.
Yes. Anyone staying in Switzerland for more than 90 days is required by law to have health insurance. As an international student, you must either enrol in the standard Swiss KVG/LAMal scheme or obtain an exemption by taking out a recognised student insurance plan. The exemption must be applied for within 90 days of arrival, missing this deadline means the cantonal authority will assign you to a standard insurer, which is significantly more expensive.
Swiss law allows international students to apply for an exemption from compulsory Swiss health insurance, provided they take out a student insurance plan that offers equivalent coverage. Once you purchase your Swiss Studies plan, we provide the documentation you need to apply for this exemption with your cantonal authority. The process varies slightly by canton but we guide you through every step.
With Evasan Swiss Studies, coverage starts from CHF 66 per month. Your exact premium depends on two factors: the deductible you choose (from CHF 0 to CHF 1,500) and your age. A higher deductible means a lower monthly premium but higher out-of-pocket costs if you need medical care. Standard Swiss KVG health insurance typically costs CHF 350 to 500 per month. Swiss Studies coverage costs a fraction of that.
Swiss Studies provides coverage equivalent to the Swiss mandatory KVG/LAMal scheme, including: hospital treatment (general ward), visits to doctors and specialists, prescribed medication, emergency dental treatment, maternity, and accident coverage. Emergency assistance is available 24 hours a day, 7 days a week through our Alarm Center. Coverage is valid throughout Switzerland and includes emergency treatment abroad.
Yes. Swiss Studies is recognised by the health authorities in all Swiss cantons. Regardless of whether you study in Zurich, Lausanne, Basel, Geneva, Bern or elsewhere, the exemption process is the same and our insurance is accepted. Evasan has held formal recognition at the University of Lausanne (UNIL) and Business School Lausanne (BSL).
You have 90 days from the date of your arrival in Switzerland to arrange insurance and submit your exemption application. We recommend arranging your Swiss Studies coverage before you arrive or in the first week, it takes less than 10 minutes online and you receive your insurance certificate immediately. Missing the 90-day deadline results in compulsory assignment to a standard Swiss insurer with backdated premiums.
Your deductible is the amount you pay out of pocket before insurance reimburses the rest. A CHF 0 deductible means full reimbursement from the first franc - this is the most comprehensive option but carries the highest monthly premium. A CHF 1,500 deductible gives you the lowest monthly premium and is suitable if you are generally healthy and unlikely to need frequent medical care. Most students choose somewhere between these two based on their budget.
Yes. Doctoral students at Swiss universities are eligible for Swiss Studies insurance and can apply for the standard KVG exemption. The exemption is granted for periods of three years and can be extended for a further three years, up to a maximum of six years. If your status changes, for example if you take up salaried employment, you will need to switch to standard KVG insurance.
The health and accident insurer is the Mutuelle Générale de l’Education Nationale, 3 Square Max Hymans, 75015 Paris, France (N° Siren 775 685 399), authorized by l’Autorité de Contrôle Prudentiel et de Résolution (ACPR). The assistance company is VYV International Assistance, passage de la corvette 3, 1700 La Rochelle, France.
SOS EVASAN, Route de L’ Etraz 12c, CH1267 Vich, Switzerland (Commercial Register N° CH-660-0168995) is administrator of the insurance contract.EVASAN can be contacted by the insured party for any administrative questions by phone
Tel.: + 41 (0)22 929 52 51 from 8:00AM to 17:00PM (Monday to Friday) or by
Email: info@healthmobility.eu
NOTE: Conditions for Swiss Studies / Essential & Economic valid before September 2019 can be found here