Cross-border commuter insurance

Do you live in an EU/EFTA country and receive a salary in Switzerland? Then you are considered to be a cross-border commuter. We offer you and your non-employed family members BASIS basic insurance for this purpose.

  • Choose to receive treatments in Switzerland or in your country of residence
  • Free choice of doctor for outpatient treatment
  • Direct access to specialists

Insurance for cross-border commuters

Conclude cross-border commuter insurance now.

How the BASIS model works

With the standard model, you enjoy a free choice of doctor and direct access to specialists at all times.

  • Illness or accident
  • Treatment by doctor or specialist

Treatments in your country of residence

We will send you the E106 form or the S1 certificate for international benefits assistance. You must forward these documents to a statutory insurer in the country where you live and you then will receive a local insurance card to cover the costs of treatment in your country of residence. The co-payment of medical costs is always governed by the rules of the statutory health insurance scheme in your country of residence. You are also subject to the law in your country of residence.

Insured benefits

With the cross-border commuter insurance, we will reimburse you the following benefits after deduction of the statutory co-payment (deductible/excess/hospital cost contribution).

You receive the costs of a stay, care and treatment in a general ward (multi-bed room).

In an emergency, you will receive the respective social tariff schedule in the EU/EFTA country. In all other countries, we will cover a maximum of twice the amount insured in Switzerland. 

You receive 50% of the costs for transport, up to CHF 500 per calendar year. We will reimburse 50% of the costs for rescue operations, up to CHF 5,000 per calendar year.

You receive the costs of medically prescribed medication on the specialities list. If several pharmaceuticals are listed with the same combination of active ingredients, the excess can amount to 20%.

Specialities list (SL)

Good to know: co-payment only applies if you purchase your medication in Switzerland.

You receive the costs according to the tariff of the recognised specialist for the whole of Switzerland.

You receive the costs according to the tariff of the recognised specialist for the whole of Switzerland.

You receive the costs for certain preventive examinations and measures.

You receive the costs of medically prescribed aids and apparatus up to the maximum amount specified by law.

You receive the costs of examinations and birth preparation measures. 

You receive contributions towards the costs for care at home (Spitex) and in a nursing home.

You receive CHF 10 per day for balneotherapy at recognised therapeutic spas in Switzerland.

Downloads

Free advice for cross-border commuters

Our sales offices in locations close to the border specifically cater to cross-border commuters' needs.

Frequently asked questions

By law, everyone who lives in Switzerland must have basic insurance. Pursuant to bilateral agreements, this also includes cross-border commuters. Cross-border commuters are people who live in an EU/EFTA country and work in Switzerland. They earn their salary exclusively in Switzerland. Basic insurance provides everyone with the necessary basic medical care in the case of illness and maternity.

You can also insure your family members provided neither parent is employed, registered unemployed or receiving a pension in the country of residence. If you are employed in Switzerland, your non-employed family members must also have compulsory insurance. This applies to minors, adults in education and non-employed spouses. 

We will send you the E106 form or the S1 certificate for international benefits assistance (this form will be sent to you automatically after you take out the insurance). You must forward these documents to a statutory insurer in the country where you live and you then will receive a local insurance card to cover the costs of treatment in your country of residence, which you must present before treatment. Please note that you may only seek treatment from doctors and hospitals that accept this insurance card. The advantage for you is that you do not have to pay any costs in advance. You will only be charged a potential excess according to the foreign legislation. The co-payment of medical costs is always governed by the rules of the statutory health insurance scheme in your country of residence. We cannot refund treatments that you pay for yourself.

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