L’assurance de santé HMO est une forme particulière de l’assurance obligatoire des soins impliquant un choix limité de fournisseurs de prestations. L’organisation de la santé HMO assure l’intégralité de la prise en charge et du traitement des assurés HMO pour toutes les questions ayant trait à leur santé, sachant que les prestations garanties par l’assurance de santé HMO correspondent à celles de l’assurance obligatoire des soins.

Les personnes assurées dans le cadre du programme d’assurance sont également assurées en Responsabilité civile privée.

Les personnes assurées dans le cadre du programme d’assurance sont également assurées en Protection juridique du patient.

Les personnes assurées dans le cadre du programme d’assurance sont également assurées contre le risque accident. Les prestations en cas d’accident sont les mêmes que pour la maladie.

Nous avons la volonté de créer de façon durable des valeurs pour nos clients, actionnaires et collaborateurs, tout en apportant notre contribution à l’environnement et à la société.

Après avoir réduit de près de 65% le volume de dossiers physiques dont nous étions l’éditeur, nous poursuivons nos engagements en lien avec les objectifs de développement durable de l’ONU (ODD).

Ayant été la première entreprise d’assurance à avoir introduit la carte d’assurance virtuelle, nous avons progressivement réduit l’utilisation de la version imprimée peu respectueuses des normes environnementales actuelles.

Nous sommes aujourd’hui arrivés au terme de cette transformation qui nous permet de nous affranchir de ce support physique diminuant ainsi d’avantage notre impact sur l'environnement auquel nos clients sont grandement associés.

Premiums
The Federal Commission for Scholarships (FCS) pays the monthly premiums.

Annual deductible
Scholarship Holder pays the annual deductible (CHF 100 / CHF 300) and contributions (10 % of costs).

Co-payment
It applies to all benefits that exceed the deductible. The Co-payment is 10%.

Normally, Advisor Swiss Insurance will pay the medical bills directly. You will receive an invoice from Advisor Swiss Insurance, corresponding to the annual fixed charge if you use your insurance. You will have to pay that bill or it will be deduced from a medical bill.

However, we cannot guarantee that in particular cases, you will be asked to pay cash the care. In this case, please call or inform Advisor Swiss Insurance as soon as possible.

Provide to Advisor Swiss Insurance the complete bill upon receipt (detailed invoice, payment slip, prescription).

You have free choice and access to all health care providers in Switzerland. For minor diseases, consult a family physician.<br>
If you have none, good medical centers exist in all citys : having the advantage of accepting new patients, grouping several physicians and medical facilities.<br>
In case of severe emergency, you should go to hospital.<br>
Make sur you always have your insurance card available on Advisor Mobile App.

• Necessary medical, pharmaceutical and hospital expenses in case of illness, accident and maternity, as well as complete coverage of medical repatriation and assistance services.
• Private liability insurance

If you have a medical history, it is strongly recommended to maintain your usual insurance coverage and to read carefully the Policy conditions in order to fully understand the limits of your benefits in relation to pre- existing conditions as well as the obligations incumbent upon you within the framework of the group health insurance program.

Although this group health insurance program covers most medically necessary treatment, expenses incurred for the following treatments, medical conditions, procedures, behaviours or accidents mentioned in the “Exclusions” of the Policy conditions should be taken into consideration, unless otherwise indicated on your Care Plan. Please read the insurance policy conditions carefully in conjunction with your Care Plan to ensure that you fully understand your level of cover. Scholarship holders arriving with health problems may have to pay themselves for certain treatments. Any preventive medical check-ups are not covered by this health insurance.

Consult our website on this subject.
All answers are without this space. Our services do not provide answers by phone or email on this subject.

The insurance cover is valid worldwide. Abroad, the cover is only valid in case of emergency.

Each scholar has access to his or her virtual insurance card by downloading the Advisor Mobile App.

ADVISOR sends all the necessary documents to the cantonal social insurance office in charge of health insurance.

Some cantons may ask for a signature from scholarship holder. In this case, you must :
• print your exemption form available on Advisor Mobile App
• sign the exemption form
• send the exemption form using the address indicated on the form

If you receive correspondence or e-mail from the cantonal social insurance office, please forward a copy to Advisor upon receipt.