The digital Schengen Visa insurance

You can change your address by logging into your customer account or using MySwisscare app on iOS or Android.

If you are in need of medical treatment, it is important that the treatment is undertaken by a doctor whose certification is officially recognized in the country you receive your treatment. Depending on the insurance coverage you have chosen, certain exclusions may be applicable. We recommend consulting the General Insurance Conditions. If something remains unclear, we suggest asking questions concerning reimbursement and claims directly to the concerned claims service. Outpatient treatments (meaning you don’t have an overnight stay in a medical facility) generally have to be paid in advance. Then you can proceed to submit your claim to the claims service via email, via your customer account or through the iOS / Android app.

In the case of hospital admission for inpatient treatment (meaning an overnight stay), you can present your digital insurance card saved on your MySwisscare account or on the iOS or Android app. If the inpatient facility requires further information, you can simply click or tap share - and enter the email address given by the hospital. They will then receive the complete insurance policy with all the details. Most of the time, inpatient treatments will be billed directly to the concerned insurer, however, they may request a security deposit.

Dentists are usually not covered unless there is an accident. Should a plan provide coverage for dental treatments this will be stated in the General Insurance Conditions (GIC’s and the benefits list).

The insurance deductible is a fixed sum that is at the expense of the insured in the case of a claim covered by the chosen insurance policy. The General Insurance Conditions define the amount and the scope of application.

The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a specific treatment or for a specific insurance cover. Not all insurance products are subject to a deductible.

The insurance deductible is also stated on the insurance policy.
 

Important

Please note that coverage is only provided for the benefits stated in the General Insurance Conditions. Sometimes exclusions are also applicable and they vary depending on the insurance product. It is recommended to verify the coverage of the chosen product in advance. In the case of outpatient treatment (no overnight stay at a medical facility), the insured always has to pay for the medical treatments (doctor’s, pharmacy, specialists, hospital outpatient treatments) in advance. 
 

To ensure you are refunded quickly, we recommend following the claim procedure via your customer account or by using the MySwissare iOS or Android App.

1. Log into your MySwisscare Account
2. Select the concerned insurance policy and complete the online fields
3. Take a picture and/or upload the .pdf or .jpg file of your detailed invoice
4. Take a picture and/or upload the proof of payment (bank receipt or cash payment receipt from the pharmacy, doctor, specialist, hospital...)
5. Write a short statement concerning the medical issue and the administered treatment
6. Send / Submit

How long does it take for a refund to be issued?

Once the concerned claims service has received all required documentation the insurer will initiate the refund procedure. In most instances, a refund is issued within 30 days of submission of the complete documentation. During peak seasons (for example December) it is possible that a refund would take longer. If within 45 days you have not been reimbursed by the insurer, we recommend that you contact them directly via email or our contact form.