Care

Essentially, nobody ever wants to think about the disturbing topic of need for care. And yet, only a few people manage entirely without being helped until the very end of their lives. Switzerland offers a very good and efficient care system.

Acute or transitional care

Benefits for acute or transitional care.

You receive the costs of care for up to 14 days for each event, for acute or transitional care. Boarding costs (room and board) are not covered in the mandatory health insurance.

You will receive CHF 90.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

You will receive CHF 120.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

You will receive CHF 240.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

You will receive CHF 120.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

You will receive CHF 180.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

You will receive CHF 100.– per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • You have selected the optional FLEX supplementary module.
  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.

Household help

You may need help following an inpatient hospital stay. A lot of organisations offer household help such as cleaning and shopping. KLuG is not allowed to assume these costs under basic insurance. In this case we recommend supplementary hospital insurance to close this gap

Following an acute inpatient hospital stay, you will receive CHF 30.– per day for up to 30 days per calendar year for medically prescribed household help.

Following an acute inpatient hospital stay, you will receive CHF 100.– per day for up to 30 days per calendar year for medically prescribed household help.

Following an acute inpatient hospital stay, you will receive CHF 200.– per day for up to 30 days per calendar year for medically prescribed household help.

Following an acute inpatient hospital stay, you will receive CHF 60.– per day for up to 30 days per calendar year for medically prescribed household help.

Following an acute inpatient hospital stay, you will receive CHF 90.– per day for up to 30 days per calendar year for medically prescribed household help.

Following an acute inpatient hospital stay, you will receive CHF 50.– per day for up to 30 days per calendar year for medically prescribed household help. This cover is available provided you have also chosen the optional FLEX supplementary module.

Where there is a proven need for care, you will receive up to the insured daily allowance to meet those costs not covered by basic health insurance for medically prescribed household help as soon as the waiting period expires.

Conditions:

  • You receive healthcare benefits from basic health insurance amounting to an average of more than 60 minutes per day.
  • You receive household help from a recognised service provider.
  • You can produce clear evidence of the uncovered costs for household help.

Where there is a proven need for care, you will receive the contractually agreed daily benefits, which you can use at your full discretion (without any obligation to show how you have spent them) – for example, for household help.

The amount of daily benefits you receive depends on the coverage option you have selected and the level of care you need.

Conditions:

  • A doctor's certificate confirming that you require care for more than six months.
  • You must need a level of care of at least 25%.

Nursing care

If you need nursing care at home after an operation or because of a medical condition, your compulsory health insurance will make a contribution to the cost of physician-prescribed care services that are based on an established need of care.You usually have to cover a certain, limited amount of nursing care costs yourself; the remaining costs that need to be covered will be handled by the canton or community in which you live.Further information may be obtained from the community in which you live, your Spitex organisation. The mandatory health insurance does not cover the cost of home helps (who cook, clean or shop for you, for example); these costs are the responsibility of the insured person. With supplementary insurance CURA or VIVANTE, you have the option to insure costs that go beyond basic insurance. 

If you need nursing care at home after an operation or because of a medical condition, your compulsory health insurance will make a contribution to the cost of physician-prescribed care services that are based on an established need for care (e.g. injections, changing dressings, cleaning and treating wounds, checking pulse and blood pressure, counselling on taking medications and using medical devices, foot care for diabetics). You usually have to cover a certain, limited amount of nursing care costs. Further information may be obtained from your Spitex Organisation. Like the other benefits provided by your health insurance, the patient is required to pay a contribution towards the cost of nursing care.

You receive a contribution to the costs for Spitex at home (home nursing care), if prescribed by a doctor.

This is subject to the condition that the chosen Spitex organisation or healthcare professional is qualified and recognised.
 

Attention:
The mandatory health insurance does not cover the cost of home helps (who cook, clean or shop for you, for example), these costs are the responsibility of the insured person. There is a possibility to cover some of these costs with a supplementary insurance.

Nursing home

If you need nursing care in an nursing home  because of a medical condition, the mandatory health insurance will make a contribution to the cost of physician-prescribed care services that are based on an established need of care.You usually have to cover a certain, limited amount of nursing care costs yourself; the remaining costs that need to be covered will be handled by the canton or community in which you live.Further information may be obtained from the community in which you live. The mandatory health insurance does not cover board and accommodation in a nursing home; these costs are the responsibility of the insured person.With supplementary insurance CURA or VIVANTE, you have the option to insure costs that go beyond basic insurance. 

If you need nursing care in a nursing home after an operation or because of a medical condition, your compulsory health insurance will make a contribution to the cost of physician-prescribed care services that are based on an established need for care (e.g. injections, changing dressings, cleaning and treating wounds, checking pulse and blood pressure, counselling on taking medications and using medical devices, foot care for diabetics). You usually have to cover a certain, limited amount of nursing care costs yourself; the remaining costs that need to be covered will be handled by the canton or community in which you live. Further information may be obtained from the community in which you live or nursing home. Like the other benefits provided by your health insurance, the patient is required to pay a contribution towards the cost of nursing care.

However, the health insurance does not cover board and accommodation in a nursing home. These costs are the responsibility of the insured person.

Where the need for care is proven, you will receive up to the insured daily allowance to meet those costs not covered by basic health insurance for a medically prescribed household help or for the cost of accommodation and meals in a nursing home as soon as the waiting period expires.

Conditions:

  • You receive healthcare benefits from the basic health insurance of more than an average 60 minutes per day.
  • You receive healthcare benefits (inpatient and outpatient including household help) from a service provider recognised under the Health Insurance Act (KVG).
  • You receive your inpatient treatment in a recognised facility (e.g. care home) in Switzerland.
  • You can produce clear evidence of the uncovered costs for household help or accommodation and meals in a nursing home.

You qualify as being in need of care if, due to illness or accident, you require a substantial level of third-party assistance in performing the following activities of daily living for at least six months:

  • Eating
  • Washing and dressing
  • Using the toilet
  • Standing up and walking
  • Walking up stairs

Where the need for care is proven, you receive, according to the coverage option you have selected, the following daily benefits, which you can use at your full discretion (without any obligation to show how you have spent it) - for example, for a household help or for the uncovered costs of accommodation and meals in a nursing home.

The amount you receive declines the lower the level of care you need.

Conditions:

  • A doctor's certificate that confirms that you require care for more than six months.
  • Your level of care is at least 25%.

Meals service

If you have any questions, contact your provider or your community authorities to find out about how meal services are organised in your area.

In the case of a proven need for care, you receive the contractually agreed daily benefits, which you can use at your full discretion (without any obligation to show how you have spent it) - for example, for a meals service.

The amount of daily benefits you receive depends on the coverage option you have selected and the level of care you need.

Conditions:

  • A doctor's certificate that confirms that you require care for more than six months.
  • You must need a level of care of at least 25%.

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