{"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\/it\/gesundheit\/krankenversicherung\/","title":{"rendered":"Assicurazione sanitaria"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Salute<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Assicurazione sanitaria<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Domande:<\/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=\"*\">Tutti<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Krankenversicherung\" data-filter=\".Krankenversicherung\">Assicurazione sanitaria<\/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\">qui<\/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>Il\u00a0<a href=\"http:\/\/www.migesplus.ch\/wegweiser\/gesundheitswegweiser\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Guida alla salute Svizzera<\/em><\/strong><\/a>\u00a0aiuta i migranti a orientarsi nel sistema sanitario svizzero. \u00c8 disponibile in 18 lingue diverse.<\/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>qui<\/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\">Qui<\/a><\/em><\/strong> finden Sie eine Erkl\u00e4rung, wie die Franchise genau funktioniert. <\/li>\n\n\n\n<li>Se le spese mediche annuali superano la franchigia, si deve pagare un ulteriore 10 per cento per le spese.\u00a0<strong>Franchigia.<\/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>Gravidanza e nascita<\/strong>\u00a0\u00e8 coperto interamente dalla cassa malattia fin dall'inizio.<\/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>Attraverso un\u00a0<strong>franchising alto:<\/strong>\u00a0Con una franchigia elevata (massimo 2500 franchi), il premio diminuisce sensibilmente.\u00a0<strong>Attenzione:<\/strong>\u00a0Tuttavia, questo vale solo se non si \u00e8 molto malati e non si deve andare dal medico molto spesso.<\/li>\n\n\n\n<li>Attraverso un\u00a0<strong>assicurazione sanitaria a prezzi accessibili:<\/strong>\u00a0Confrontate i premi e le prestazioni delle compagnie di assicurazione sanitaria tra loro, ad esempio <a href=\"https:\/\/www.priminfo.admin.ch\/de\/praemien\"><strong><em>qui<\/em><\/strong><\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Attraverso\u00a0<strong>riduzioni cantonali dei premi:<\/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. Cosa devo fare perch\u00e9 l'assicurazione sanitaria paghi?\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>Dopo il vostro <strong>Visita al medico <\/strong>riceverete una fattura. Dovete pagare voi stessi. Insieme alla fattura, riceverete una copia della stessa (= buono di recupero o copia della fattura). Questa copia viene inviata alla cassa malattia. Se l'importo supera la franchigia, ne riceverete il 90% sul conto corrente bancario o postale da voi indicato.<br><br>La\u00a0<strong>Conto dell'ospedale<\/strong>\u00a0viene inviato a casa o alla compagnia di assicurazione sanitaria. Nella maggior parte dei casi, la fattura viene pagata direttamente dalla compagnia di assicurazione sanitaria. La cassa malattia o l'ospedale vi invieranno una fattura separata per le spese che dovrete sostenere (franchigia, contributo ai pasti).<br><br>Anche alcuni farmaci prescritti dal medico\u00a0<strong>Farmaci<\/strong>\u00a0sono a carico della cassa malattia. O si riceve il farmaco direttamente dopo aver mostrato la tessera sanitaria e senza pagare. Oppure pagate voi stessi il farmaco e inviate in seguito la fattura e la prescrizione alla compagnia di assicurazione sanitaria per il rimborso.<\/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>volontario\u00a0<\/strong>a\u00a0<strong>Assicurazione complementare<\/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\">qui<\/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>La <strong><em><a href=\"https:\/\/www.bag.admin.ch\/de\/unfallversicherung\">Assicurazione infortuni<\/a><\/em><\/strong> \u00fcbernimmt Kosten, wenn Sie einen Unfall haben oder beruflich erkranken. Alle in der Schweiz besch\u00e4ftigten\u00a0<strong>Lavoratori<\/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>Quando <strong>otto ore o pi\u00f9 alla settimana&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>Quando&nbsp;<strong>Meno di otto ore<\/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>Disoccupati,<\/strong>&nbsp;che hanno diritto all'indennit\u00e0 di disoccupazione sono assicurati obbligatoriamente.<\/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\/it\/author\/inow-wpadmin\/"},"uagb_comment_info":0,"uagb_excerpt":"Gesundheit Krankenversicherung Fragen:","_links":{"self":[{"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/pages\/566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/comments?post=566"}],"version-history":[{"count":1,"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/pages\/566\/revisions"}],"predecessor-version":[{"id":2058,"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/pages\/566\/revisions\/2058"}],"up":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/pages\/541"}],"wp:attachment":[{"href":"https:\/\/integration.ow.ch\/it\/wp-json\/wp\/v2\/media?parent=566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}