Insurance coverage

Most out-patient and in-patient treatments done by medical specialists at a hospital or clinic are covered by Basic Health Insurance, but there are some possible exceptions:

  • Depending on the type of insurance policy you have, you may not be fully refunded for the cost incurred at a facility that is not contracted with your health insurance provider. Check what applies to you before consulting a medical specialist.
  • Some treatments may require prior approval by your insurer, dependent on your policy.
  • Some advanced, new treatments may not (yet) be covered by the Basic Health Insurance.
  • Some specific treatments are not, partly or only conditionally covered, such as plastic (cosmetic) surgery, fertility treatment or circumcision. Always check with your GP or medical specialist what applies.

Cost of treatment covered by your basic health insurance counts towards your excess.