Shaping tomorrow's health care with you.

Health insurance coverage

Types of care

Depending on your medical condition, your treatment and the decision of your doctor, your care at Hôpital de La Tour may be either as an outpatient or an inpatient, regardless of your insurance status.

Inpatient care

Care counts as inpatient care if it meets one of the following criteria:

  • Care lasting at least 24 hours
  • Care lasting less than 24 hours if:
    • a bed is occupied overnight and you have been admitted to a care unit (not the emergency department)
  • You are being transferred to another hospital

Outpatient care

Outpatient care allows you to return home on the same day. This includes medical consultations, diagnostic investigations, such as medical imaging examinations, and some surgical procedures.

Mandatory basic health insurance (AOS)


You have basic health insurance as defined by the Swiss Federal Law on Health Insurance (LAMal).

For outpatient care

Outpatient care is calculated using the TARMED tariff system, regardless of your health insurance coverage. TARMED is a standardised pricing structure for outpatient medical services throughout Switzerland.

 


This tariff system means that services provided in medical practices and as outpatient care in hospitals and clinics are covered by mandatory basic health insurance. As a result, your care is billed at the same rate as care in a public health care facility.

For inpatient care

In 2012, LAMal entitled patients with mandatory basic health insurance to the option of inpatient care in a private health care facility under certain conditions. Private clinics and hospitals in Geneva have been authorised to admit patients with mandatory basic health insurance for inpatient care within specific medical specialisms and based on quotas set annually.

 


Hôpital de La Tour is part of this hospital network and has therefore received a mandate to provide the canton of Geneva with services in the following fields:

As a result, the cost of this inpatient care is covered by your basic health insurance (45%) and the canton of Geneva (55%) and at no extra cost to you.

Mandatory basic health insurance as defined by LAMal with accident coverage

Your mandatory basic health insurance covers costs in the event of an accident if accident cover is included. In this case, you are covered in the same way for an accident as you are for a medical condition if you are admitted for inpatient care. The TARMED tariff system is also applied to outpatient care. You are insured for accidents as defined by LAMal if you are not covered by the Swiss Federal Law on Accident Insurance (LAA). This generally applies to students and individuals without employment.

Supplemental health insurance

You have mandatory basic health insurance as well as supplemental private or semi-private health insurance. This supplemental health insurance enables you to receive inpatient care in a private health care facility in an individual room (private) or shared room with two beds (semi-private).

Approved supplemental private or semi-private health insurance providers in 2020

Hôpital de La Tour has a price agreement in place with most health insurance providers in Switzerland. This means that you can be admitted for inpatient care when you have supplemental health insurance with one of our approved insurance providers.

Non-approved insurance providers in 2020 

Billing for inpatient care

We create two separate invoices during your hospital stay. One invoice is for your basic health insurance and the other is for your supplemental insurance, even if these costs are covered by the same insurance provider. The invoices are then sent directly to your insurance company and you do not have to do anything else regarding the invoices at this stage.

Accident insurance

Mandatory accident insurance as defined by the Swiss Federal Law on Accident Insurance (LAA)

The LAA covers workplace accidents and medical conditions as well as some non-workplace accidents. It is mandatory for all employees.Hôpital de La Tour has a price agreement in place with the LAA, which enables us to provide inpatient care for LAA-insured patients without supplemental health insurance, within our capacity and based on the availability of our doctors.

Supplemental private or semi-private health insurance with accident coverage

Supplemental health insurance with accident coverage enables to you to receive the same services for an accident as you would for a medical condition.

We work with all private accident insurance providers in Switzerland, including:

 

International health insurance coverage

You do not have health insurance as defined by the Swiss Federal Law on Health Insurance (LAMal) or the Swiss Federal Law on Accident Insurance (LAA). However, you may be covered by an international health insurance provider or international organisation.

In this case, we recommend that you contact your insurance provider for more details. The amount covered by your insurance provider will depend on their general and special terms and conditions, which can vary significantly from one company to another.

We also have agreements in place with some international organisations and health insurance providers, which enables individuals covered by these organisations and companies to receive care at Hôpital de La Tour and for their costs to be reimbursed.

 

Approved international organisations

Contacts

For Swiss health insurance

Reservations team
Telephone: +41 (0)22 719 66 78
Fax: +41 (0)22 719 60 07
Email: admissions@latour.ch

For international health insurance and quotes for medical care that is not covered by your health insurance

Admissions & reception team
Telephone: +41 (0)22 719 66 67
Fax: +41 (0)22 719 66 10