{"id":566,"date":"2021-11-09T10:01:54","date_gmt":"2021-11-09T10:01:54","guid":{"rendered":"https:\/\/integration.ow.ch\/?page_id=566"},"modified":"2026-01-14T18:15:27","modified_gmt":"2026-01-14T17:15:27","slug":"krankenversicherung","status":"publish","type":"page","link":"https:\/\/integration.ow.ch\/en\/gesundheit\/krankenversicherung\/","title":{"rendered":"Health insurance"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Health<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Health insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Questions:<\/h3>\n\n\n\n<div class=\"wp-block-quick-and-easy-faqs-faqs-accordion-orderby-title-asc\">            <div class=\"qae-faqs-container qae-faqs-toggle-container\">\n\t\t\t\t\t\t\t<ul class=\"qe-faqs-filters-container\">\n\t\t\t\t<li class=\"active\"><a class=\"qe-faqs-filter all-faqs\" href=\"#\" data-filter=\"*\">All<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Krankenversicherung\" data-filter=\".Krankenversicherung\">Health insurance<\/a><\/li>\t\t\t<\/ul>\n\t\t\t\t\t<div id=\"qaef-564\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 01. Was ist eine Krankenkasse und wer ist versichert?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"338\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F1-2_21806072_Dron.jpg\" alt=\"\" class=\"wp-image-565\" style=\"width:375px;height:254px\" srcset=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F1-2_21806072_Dron.jpg 500w, https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F1-2_21806072_Dron-300x203.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>Jede in der Schweiz wohnhafte Person muss sich obligatorisch bei einer Krankenkasse versichern. Obligatorisch ist die so genannte\u00a0<strong><em><a href=\"https:\/\/www.priminfo.admin.ch\/de\/versicherungen\/grundversicherung\">Grundversicherung<\/a><\/em><\/strong>: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Krankenkassen m\u00fcssen jede Person unabh\u00e4ngig vom Alter und Gesundheitszustand in die Grundversicherung aufnehmen. <\/li>\n\n\n\n<li>Die Versicherten k\u00f6nnen ihre Krankenkasse frei w\u00e4hlen. <\/li>\n\n\n\n<li>Alle Personen sind in der Grundversicherung f\u00fcr die\u00a0<strong>gleichen Leistungen\u00a0<\/strong>versichert. Welche Leistungen genau bezahlt werden, finden Sie <strong><em><a href=\"https:\/\/www.comparis.ch\/krankenkassen\/grundversicherungen\/krankenpflegeversicherung\">here<\/a><\/em><\/strong>. Wichtig zu wissen: gew\u00f6hnliche Zahnbehandlungen sind nicht versichert.<\/li>\n\n\n\n<li>Sie als versicherte Person bezahlen jeden Monat einen Beitrag, eine sogenannte Pr\u00e4mie, und die Krankenkasse zahlt daf\u00fcr einen Grossteil der Kosten im Krankheitsfall. <\/li>\n<\/ul>\n\n\n\n<p>The\u00a0<a href=\"http:\/\/www.migesplus.ch\/wegweiser\/gesundheitswegweiser\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Health Guide Switzerland<\/em><\/strong><\/a>\u00a0helps migrants to find their way around the Swiss healthcare system. This is available in 18 different languages.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-568\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 02. Was muss ich f\u00fcr die medizinische Versorgung bezahlen?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"338\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F2-1_27102515_Schlierner.jpg\" alt=\"\" class=\"wp-image-562\" style=\"width:363px;height:246px\" srcset=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F2-1_27102515_Schlierner.jpg 500w, https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F2-1_27102515_Schlierner-300x203.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>Jede Person in der Schweiz muss einen Teil der medizinischen Versorgung selbst bezahlen. Hier eine \u00dcbersicht \u00fcber die Kosten: <\/p>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jeden Monat m\u00fcssen Sie Ihre <strong>Pr\u00e4mie<\/strong> f\u00fcr die Krankenkasse bezahlen. Obwohl in der Grundversicherung \u00fcberall die gleichen Leistungen enthalten sind, bezahlt man je nach Krankenkasse unterschiedlich hohe Pr\u00e4mien. Es lohnt sich deshalb, sich \u00fcber die verschiedenen Pr\u00e4mien zu informieren. Eine Pr\u00e4mien\u00fcbersicht finden Sie <a href=\"https:\/\/www.priminfo.admin.ch\/de\/praemien\"><strong><em>here<\/em><\/strong><\/a>. <\/li>\n\n\n\n<li>Jedes Jahr m\u00fcssen Sie zudem einen fixen Betrag der Behandlungskosten selbst zahlen, die <strong><em><a href=\"http:\/\/Eine hohe Franchise (und tiefe Pr\u00e4mien) lohnen sich nur, wenn Sie wenig krank sind.\">Franchise<\/a><\/em><\/strong>. Die H\u00f6he k\u00f6nnen Sie selber w\u00e4hlen. Je h\u00f6her die Franchise desto tiefer die Pr\u00e4mie. Eine hohe Franchise (und tiefe Pr\u00e4mien) lohnen sich nur, wenn Sie wenig krank sind. <strong><em><a href=\"https:\/\/www.priminfo.admin.ch\/de\/versicherungen\/grundversicherung\">Here<\/a><\/em><\/strong> finden Sie eine Erkl\u00e4rung, wie die Franchise genau funktioniert. <\/li>\n\n\n\n<li>If your annual medical expenses exceed your deductible, you must pay an additional 10 percent toward the cost, called the\u00a0<strong>Deductible.<\/strong>\u00a0Der Selbstbehalt betr\u00e4gt lmaximal 700 Franken pro Jahr.<\/li>\n<\/ul>\n\n\n\n<p>Gut zu wissen: Die Kosten f\u00fcr\u00a0<strong>Pregnancy and birth<\/strong>\u00a0is covered in full by the health insurance fund from the outset.<\/p>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-587\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 03. Wie kann ich Kosten f\u00fcr die Krankenkasse sparen?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"338\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F5-1_29461381_djama.jpg\" alt=\"\" class=\"wp-image-588\" style=\"width:375px;height:254px\" srcset=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F5-1_29461381_djama.jpg 500w, https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F5-1_29461381_djama-300x203.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>Es gibt verschiedene M\u00f6glichkeiten, die Kosten f\u00fcr die Pr\u00e4mien zu senken.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Through a\u00a0<strong>high franchise:<\/strong>\u00a0With a high deductible (maximum 2500 francs), the premium drops sharply.\u00a0<strong>Attention:<\/strong>\u00a0However, this is only worthwhile if you are not very ill and do not have to go to the doctor very often.<\/li>\n\n\n\n<li>Through a\u00a0<strong>affordable health insurance:<\/strong>\u00a0Compare the premiums and benefits of health insurance companies with each other, for example <a href=\"https:\/\/www.priminfo.admin.ch\/de\/praemien\"><strong><em>here<\/em><\/strong><\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Through\u00a0<strong>cantonal premium reductions:<\/strong>\u00a0Personen mit kleinem Einkommen haben Anspruch auf die kantonale Pr\u00e4mienverbilligung. Das heisst, der Kanton bezahlt einen Teil der Krankenkassenpr\u00e4mien. Im Kanton Obwalden finden Sie dazu bei der <strong><em><a href=\"https:\/\/www.akow.ch\/dienstleistungen\/praemienverbilligung\">Ausgleichskasse<\/a><\/em><\/strong>\u00a0weitere Informationen. <\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-571\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 04 What do I have to do to get the health insurance to pay?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<div class=\"wp-block-image\"><figure class=\"alignleft size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F4-1_34422230_djama.jpg\" alt=\"\" class=\"wp-image-572\" width=\"375\" height=\"254\" srcset=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F4-1_34422230_djama.jpg 500w, https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F4-1_34422230_djama-300x203.jpg 300w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/figure><\/div>\n\n\n\n<p>After your <strong>Doctor's visit <\/strong>you will receive an invoice. You must pay this yourself. Together with the invoice, you will receive a copy of the invoice (= reclaim voucher or invoice copy). You send this copy to your health insurance company. You will then receive - if the amount exceeds the deductible rate - 90 percent of it paid into the bank or post office account you specified.<br><br>The\u00a0<strong>Hospital bill<\/strong>\u00a0is either sent to your home or to the health insurance company. In most cases, the bill is paid directly by the health insurance company. The health insurance company or the hospital will send you a separate invoice for any costs that you have to bear (deductible, contribution to meals).<br><br>Also, certain medications prescribed by a physician\u00a0<strong>Medication<\/strong>\u00a0are paid by the health insurance. Either you receive the medication directly after showing the health insurance card and without paying. Or you pay for the medication yourself and send the invoice and prescription to the health insurance company later for reimbursement.<\/p>\n<\/div><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-2226\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 05. Was ist eine Zusatzversicherung und wer ist versichert?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<p>Zus\u00e4tzlich zur obligatorischen Grundversicherung k\u00f6nnen\u00a0Sie <strong>voluntary\u00a0<\/strong>a\u00a0<strong>Supplementary insurance<\/strong>\u00a0abschliessen. Mit einer Zusatzversicherung k\u00f6nnen Sie Leistungen versichern, die nicht automatisch mit der Grundversicherung bezahlt werden. Beispiele daf\u00fcr sind Zahnbehandlungen oder der Komfort eines Zweier- oder Einzelzimmers im Spital. Daf\u00fcr m\u00fcssen Sie zus\u00e4tzlich eine monatliche Pr\u00e4mie bezahlen. <\/p>\n\n\n\n<p>Genauere Informationen finden Sie <strong><em><a href=\"https:\/\/www.priminfo.admin.ch\/de\/versicherungen\/zusatzversicherungen\">here<\/a><\/em><\/strong>. <\/p>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-586\" class=\"qe-faq-toggle krankenversicherung\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 06. Was ist eine Unfallversicherung und wer ist versichert?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"338\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F6-2_31748022_fotofreaks.jpg\" alt=\"\" class=\"wp-image-589\" srcset=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F6-2_31748022_fotofreaks.jpg 500w, https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/F6-2_31748022_fotofreaks-300x203.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>The <strong><em><a href=\"https:\/\/www.bag.admin.ch\/de\/unfallversicherung\">Accident insurance<\/a><\/em><\/strong> \u00fcbernimmt Kosten, wenn Sie einen Unfall haben oder beruflich erkranken. Alle in der Schweiz besch\u00e4ftigten\u00a0<strong>Employees<\/strong>\u00a0sind automatisch durch den Arbeitgeber oder die Arbeitgeberin versichert.<\/p>\n<\/div><\/div>\n\n\n\n<p>Je nachdem wie viel Sie arbeiten, sind Sie anders versichert: <\/p>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p>When you <strong>eight hours or more per week&nbsp;<\/strong>bei einem Arbeitgeber arbeiten, sind Sie gegen Berufsunf\u00e4lle und Nichtberufsunf\u00e4lle versichert. Nichtberufsunf\u00e4lle sind Unf\u00e4lle auf dem Arbeitsweg und in der Freizeit.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When you&nbsp;<strong>less than eight hours<\/strong>&nbsp;pro Woche bei einem Arbeitgeber arbeite, sind Sie nur gegen Berufsunf\u00e4lle und gegen Unf\u00e4lle auf dem Arbeitsweg versichert. F\u00fcr Unf\u00e4lle in der Freizeit m\u00fcssen Sie eine zus\u00e4tzliche Unfallversicherung bei der Krankenkasse abschliessen.<\/li>\n\n\n\n<li><strong>Unemployed persons,<\/strong>&nbsp;who are entitled to unemployment benefits are compulsorily insured.<\/li>\n<\/ul>\n\n\n\n<p>Nicht erwerbst\u00e4tige Personen sind <strong>nicht automatisch versichert<\/strong>. Diese Personen m\u00fcssen obligatorisch eine Unfallversicherung bei der Krankenkasse abschliessen.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t            <\/div>\n\t\t<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Gesundheit Krankenversicherung Fragen:<\/p>","protected":false},"author":1,"featured_media":0,"parent":541,"menu_order":19,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-566","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"admin","author_link":"https:\/\/integration.ow.ch\/en\/author\/inow-wpadmin\/"},"uagb_comment_info":0,"uagb_excerpt":"Gesundheit Krankenversicherung Fragen:","_links":{"self":[{"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/pages\/566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/comments?post=566"}],"version-history":[{"count":1,"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/pages\/566\/revisions"}],"predecessor-version":[{"id":2058,"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/pages\/566\/revisions\/2058"}],"up":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/pages\/541"}],"wp:attachment":[{"href":"https:\/\/integration.ow.ch\/en\/wp-json\/wp\/v2\/media?parent=566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}