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:
- Pay privately – the practice will invoice you directly.
- 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.
What We Need From You at Check‑In
- Your insurance card(s) (basic and any supplementary card).
- 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.
- 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.
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.
