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HEALTH INSURANCE

What to do if you haven’t yet received your Swiss health insurance card

Switzerland is late in issuing health insurance cards for new policy holders or those who have switched their providers at the end of 2022. What should you do if you need medical help before your new card arrives?

What to do if you haven’t yet received your Swiss health insurance card
You need your health insurance card to get medical care. Image by Engin Akyurt from Pixabay

When you buy a health insurance policy in Switzerland from any of the dozens of approved providers, you will receive a credit card-sized card to be used as proof of insurance. Aside from your name, date of birth, and AHV / AVS number, the card also includes the name of your insurance company, client number, and the date of validity.

You will have to present this card each time you seek medical treatment that is included under the obligatory KVG / LaMal scheme.

Residents of Switzerland are allowed to change their compulsory health insurance coverage from one provider to another by November 30th, to go into effect from January of the following year.

The sharp increase in the cost of the health insurance in 2023 — 6.6 percent on average, but higher in some cantons — has prompted many people to look for cheaper options and change their carriers.

READ MORE: Millions of Swiss residents switch health insurance amid rising costs

This massive switch has caused a backlog in the production of new insurance cards, which means that many policy holders have not yet received theirs.

The cards for all insurance carriers are issued by a subsidiary of the Santésuisse health insurance association, whose spokesperson, Manuel Ackermann, said that the delay is caused by the “extraordinarily large number” — three times as many as in an average year — of switches.

He did not specify how much longer is needed to issue and send out all the cards.

What should you do if you haven’t yet received your card?

Say you need medical help, or another situation arises where proof of health insurance is needed — for instance, if you are applying for a new job or registering in a new municipality.

In such cases, you can present the insurance certificate letter your carrier has issued when you took up your policy.

While not having an insurance card is a minor inconvenience in Switzerland, where such a certificate can be used in the interim, it could be more of a problem when travelling in the European Union.

Under normal circumstances, if you fall ill in the EU, all you have do is present your Swiss card, which is equivalent to the European Health Insurance Card (EHIC). This way, you can be treated and the bill will go directly to your Swiss insurance company.

However, absence of the card could mean that hospitals in those countries may not recognise the insurance certificate alone, and require Swiss residents to pay for medical care on the spot.

While not an ideal situation, you can submit the bill, along with all the required documents such as details of your treatment, to your insurer in Switzerland.

READ MORE: Reader question: Can my Swiss health insurance refuse to pay my medical bills?

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HEALTH

Switzerland tries slow-mo cannabis revolution

Switzerland, which pioneered prescription heroin and safe injection sites decades ago, is now experimenting with decriminalising recreational cannabis, with the drug now available in some Basel pharmacies.

Switzerland tries slow-mo cannabis revolution

“This is 1,000 times better,” said Paul, a 42-year-old resident of the northern Swiss city, as he picked up a package of cannabis from his local pharmacy.

After buying his drug of choice on the street from “weird people or criminals” for the past 25 years, Paul, who asked that his last name not be published, is taking part in a pilot programme allowing him to acquire it over the counter.

“People are happy, since they for the first time can buy it legally,” pharmacist Lucas Meister told AFP, showing off a stash of colourful packages containing various dried cannabis flowers and hashish-based products.

His is one of nine pharmacies that have been chosen to take part in the two-year pilot for the legal sale of recreational cannabis.

Thousands of people applied to take part in the trial, but Paul, who mainly uses the drug to treat his depression, was among just 400 chosen.

Not encouraging consumption

Cannabis is legal for medical use in the wealthy Alpine nation, but only in extreme cases, such as pain relief for cancer patients.

Low-potency cannabis can also be purchased legally for non-medical use, but only when it contains below one percent tetrahydrocannabinol (THC) – the
component that gets recreational users high.

And while more potent cannabis is illegal, carrying up to 10 grammes of more potent cannabis for one’s own consumption is not punishable by law.

But while there are already a few ways to consume the drug without risking run-ins with police, pressure has been mounting for legalisation.

Paul smokes at home cannabis with a vaporizer during a two-year pilot for the legal sale of recreational cannabis in Basel, on March 7th, 2023.

Paul smokes at home cannabis with a vaporizer during a two-year pilot for the legal sale of recreational cannabis in Basel, on March 7th, 2023. (Photo by Fabrice COFFRINI / AFP)

In 2021, around 70 percent of the population favoured liberalising the laws, up from 58 percent three years earlier, according to the Swiss health ministry.

“We have to get out of the illicit cannabis framework, but ensure strict regulation,” said Barbara Broers, vice president of a federal commission on issues surrounding addiction.

“It is important that people have access to controlled and regulated products, but we are proposing to ban advertising and to have plain packaging, as with cigarettes in some countries,” she told AFP.

“This is not about encouraging consumption.”

Small steps

The Swiss government has opted for a small-steps approach, and authorised trials to take place over the coming decade.

In Basel, participants are aged 18 to 76, and the aim is to study “the effects of regulated cannabis sale… on mental health and on consumption behaviour,” Marc Walter, a psychiatry professor at the University of Basel and head of the study, told AFP.

So far, participants have been especially drawn to “products with a very high level of THC,” he said.

The five-gramme packs that Meister keeps in his pharmacy safe contain products with THC levels ranging from 4.5 to 20 percent.

They are priced at between eight and 12 Swiss francs ($8.70-$13) per gramme, depending on the THC level, in line with black market pricing.

The pricing level was very deliberate, according to Marc Brungger, an executive at the Swiss company Pure Production, which is producing cannabis
for the Basel trial.

“If prices are too low, people would try to resell the product, and if they are too high, they would turn to the black market,” he told AFP.

Other major Swiss cities, including Zurich, Geneva and Lausanne, are planning to launch similar trials.

‘Pure and organic’

In Basel, Paul said he is thrilled to leave street dealers behind and to finally know with certainty what he is getting: “Pure and organic cannabis”, grown in Switzerland and quality-guaranteed by the Swiss authorities.

“I want to consume cannabis, not chemicals made in China,” he told AFP, voicing horror at the arrival on the street of synthetic cannabinoids – laboratory-made molecules that mimic the THC effect.

The marketing specialist said it was a shame Switzerland had not taken a more direct route to legalisation, as in some US states, Canada and Uruguay.

But Walter said he was happy “Switzerland has chosen another route”.

“As a scientist, I prefer that.”

Frank Zobel, head of Addiction Switzerland, agreed, pointing out that taking things slow and steady to see how the population responds was a very Swiss approach.

That model proved itself in the 1990s, he said, noting how Switzerland had slowly introduced prescribing heroin for medical use.

“There too, there were four years of pilot trials, and today it is a treatment that is covered by medical insurance,” he said.

By Agnès PEDRERO

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