BILLING INFORMATION

Your Annual Gynaecology Check‑Up

Staying on top of preventive care is easier when you know how your visit should be billed. The guide below helps you decide whether today’s appointment should be charged to your basic (KVG) insurance or to a supplementary policy.

What Basic Insurance Covers

When? Who pays? What’s included?
1st & 2nd annual visits Basic insurance Consultation, breast exam, pelvic exam, Pap smear
Every 3 years thereafter (if previous results normal) Basic insurance Same services as above
Any abnormal finding needs follow‑up Basic insurance (counts as treatment) All medically indicated tests & treatment

Note: Even when the visit is billed to basic insurance, your annual deductible (Franchise) and 10 % co‑pay (Selbstbehalt) still apply.

When Supplementary Insurance Steps In

Many patients prefer to keep an annual rhythm. In the years when basic insurance is not liable, you may:

  • Use a supplementary policy– Many supplementary insurance policies available in Switzerland now contribute towards preventive gynaecological examinations. Where basic insurance does not apply, some packages reimburse up to 90 % of the check-up costs, typically capped at CHF 500–700 per year. Please check your policy for the exact percentage and annual limit.
  • Private Patients : You can also pay directly at the consultation.

Note : Unless you explicitly request billing via a supplementary policy at check‑in, the visit will automatically be billed to basic insurance — including franchise and deductible. This cannot be changed later.

What We Need From You at Check‑In

  1. Your insurance card(s) (basic and any supplementary card).
  2. Tell us which visit this is:
    • “First annual” or “second annual” – billed to basic insurance.
    • “Between‑year annual” – indicate if you wish to use a supplementary policy.
  3. Any changes to your coverage? Please inform reception so we can invoice correctly as it cannot be changed later.

If you are unsure, please consult your insurance directly before coming to your appointment.

One Appointment - One Concern

Please note: Your annual gynaecological check‑up appointment is intended for preventive screening only. If you wish to discuss other topics — such as fertility planning, hormonal symptoms, or birth control — these require a separate consultation, which will be billed as a medical visit.

This helps us manage time fairly and ensures every patient receives appropriate attention.

 

Possible Extra Costs

  • Laboratory tests (blood, urine, HPV) or ultrasound are covered by basic insurance only when medically necessary.
  • Optional services (for example fertility counselling, STI screening on request) are private or supplementary expenses. We will always inform you before performing any non‑reimbursed service.

Example Timeline

Year Interval since last basic‑insured exam Typical billing route
2025 – Basic insurance (1st annual)
2026 12 months Basic insurance (2nd annual)
2027 12 months Supplementary / private
2028 12 months Supplementary / private
2029 12 months Basic insurance (3‑year rule met)

Need Help?

The helplines below should put you in direct touch with the customer‑service teams of Switzerland’s largest health insurers.
We encourage you to call your provider ahead of your appointment if you have questions about coverage as billing cannot be changed after the appointment.

Insurer Customer Service Phone
CSS 0844 277 277
Helsana 0844 80 81 82
Groupe Mutuel 0848 803 111
SWICA 058 800 99 33
Sanitas 0844 150 150
KPT / CPT 058 310 91 11
Assura 0800 277 872
Concordia 041 228 01 11
Visana 0848 848 899
Sympany 058 262 42 00
ÖKK 0800 838 000
Atupri 0800 200 888

Disclaimer: This information provided here summarises the rules of the Federal Health Insurance Act (KVG/LAMal) as of 30 July 2025. Coverage details may change; please confirm with your insurer for up to date information.