 Home |
|
Information |
|
Coordination |
|
Quest. of Pensioners |
|
Forms |
|
Premium reduction |
|
Download |
|
Links |
|
Email |
 |
Questions of Beneficiaries of a Swiss Pension who are resident in the EU (European Union)
Summary
B. Compulsory Health Insurance
C. Exemption from Compulsory Health Insurance
Annex 1- Assignment of Pensioners resident in the EU to Health Insurers pursuant to insurance law
Annex 2- Liaison offices for Health Insurance
1. When did the Agreement on the Free Movement of Persons enter into force?
It has entered into force on the 1st June 2002.
2. Does the agreement also apply to the „new“ EU-States? (East-expansion of 1.5.2004)?
Does the agreement also apply to the „new“ EU-States? (East-expansion of 1.5.2004) The Agreement on the Free Movement of Persons has to be ratified with each state individually. The negotiations with the new EU-States will be concluded at the earliest by mid 2005. The new EU-States are: Estonia, Latvia, Lithuania, Malta, Poland, Slovakia, Slovenia, Czech Republic, Cyprus and Hungary. The old EU-States are: Austria, Belgium, Denmark, Germany, Greece, Finland, France, Ireland, Italy, Luxemburg, Portugal, Sweden, Spain, The Netherlands and the United Kingdom. EFTA-states: Norway, Iceland and Liechtenstein.
3. Who inspects the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act)?
The Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) is under the responsibility of the Federal Department of Internal affairs. It is assisted by The Federal Office of Social Security which checks the financial state of the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) and reports back to the Department regularly.
4. What is the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) and who gave it its assignment?
The Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) was founded by Swiss Health Insurers. Presently its assignments are: responsibility for costs of lawful benefits in place of insolvent insurers, risk compensation, international coordination of Health Insurance and redistribution of reserve assets between Health Insurers. In order to finance these tasks the insurers have to pay certain amounts to the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) by debiting Social Security Insurance. The extent of these payments conforms to the regulation of the Gemeinsame Einrichtung KVG. The Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) has separate accounts for every of its tasks. Like the insurers it is exempt from taxes.
5. Which is the legal form of the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act)? Is it profit-oriented?
The Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) is a foundation. It is not profit-oriented.
B. Compulsory Health Insurance
10. I have presently a private health insurance which covers me worldwide. The registration under a Swiss health insurance would mean a clear deterioration of the present standard. Is there any possibility to be made exempt from compulsory health insurance in Switzerland?
Yes. You can file a petition in order to be made exempt from compulsory health insurance, but only if you are insured by a private health insurance. You are also requested confirmation of your present health insurance, which has to be at least equal to standards and benefits of Swiss health insurance. You can send your petition to the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
11. Why do I have to be registered under a Swiss health insurance if I have not lived in Switzerland for a long time and although I am insured in my resident country?
Compulsory health insurance results from the Agreement on the Free Movement of Persons between Switzerland and the European Union (EU). The Principle of Domicile, which means that you have to be insured in your resident country, has been changed into the Place of Employment Principle, due to the entry into force of the Agreement on the Free Movement of Persons. The Place of Employment principle states that you have to be insured in the country in which you used to be employed and, therefore, you receive a salary or pension from. If you receive a Swiss pension you are obliged to be insured in Switzerland.
12. I receive a Swiss pension but I am also gainfully employed in my resident country. Do I still have to be insured in Switzerland?
Primarily the Place of Employment Principle applies. If you are gainfully employed in your resident country you have compulsory health insurance in this country. Registration under a Swiss Health insurance is, therefore, not necessary.
13. I am beneficiary of a Swiss pension but I also receive a pension from my resident country. Where do I have to be insured?
If you receive a pension from your resident country as well as from Switzerland you have Compulsory insurance in your resident country. It does not matter whether the Swiss pension is higher than the one from your resident country.
14. What happens if I do not register under a Swiss health insurance although I have compulsory health insurance in Switzerland?
You and your family members will be assigned to Swiss Health insurance by the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
15. Why do pensioners who are residents in certain European countries have the right to choose to be insured in either their resident country or Switzerland?
This is due to intergovernmental agreements between certain countries. These agreements are recorded in the Agreement on the Free Movement of Persons.
16. You have informed me that “not gainfully employed” (non-active) family members also have compulsory health insurance in Switzerland. What does that mean?
The term “not gainfully employed family member” or “non-active family member” is established in the law of your resident EU member country. You ask for further information at the liaison office in your resident country (see annex 2) or at the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
17. Can I also take out any complementary insurance from Swiss Insurers?
No, presently Swiss Insurers do not have any authorisation to offer complementary insurance in EU member countries. To offer any such insurance without authorisation is not permitted.
18. I have lived in an EU member country for several years, but I stayed insured with my former Swiss Health Insurance company. What will change in my case?
Basically you should not have been able to stay with the same Swiss Insurance company since the 1st January 1996 (entry into force of Health Insurance Act (KVG)). Now that the Agreement on the Free Movement of Persons is in force, it becomes possible again, whereas the premiums will be adapted to the premiums in your resident country. If you live in narrow financial circumstances you can, however, apply for a premium reduction.
19. In case I decide to return to Switzerland I will be able to keep my basic insurance, but I will probably be denied any complementary insurance due to old age. What am I supposed to do?
When you leave Switzerland you can, depending on the Swiss insurer, suspend your complementary insurances. During that time you will only pay minimum premiums. On your return to Switzerland you can reactivate your complementary insurance. You may also want to turn to Soliswiss (Gutenbergstrasse 6, CH - 3011 Bern, phone: oo41 31 381 0494, fax: 0041 31 381 60 28, e-mail. info@soliswiss.ch, Internet: www.soliswiss.ch ). As a non-profit cooperative society Soliswiss represents the interests of the Swiss living abroad. Soliswiss checks different insurance possibilities and picks the most advantageous ones.
20. I live in England and receive a Swiss pension as well as a German pension. I paid contributions during 42 years and 9 months, thereof social security contributions in Switzerland (AHV) during 28 years. The German pension is higher than the Swiss one. I do not receive any pension from my resident country. Where do I have to be insured?
Generally, people who receive a Swiss pension (or mainly a Swiss pension) and live in a member country of the EC have to be insured in Switzerland, particularly persons who are residents in the United Kingdom (as they do not have the right to choose). As you receive a German pension apart from a Swiss one, it depends on the amount of time you were insured in each of these countries. Not the height of the pension is determining, but the amount of time you have been insured and paid contributions for. In your case we state that the period of time you have been insured in Switzerland is longer, therefore you have compulsory health insurance in Switzerland.
C. Exemption from Compulsory Health Insurance
21. Who can be made exempt from compulsory health insurance?
Pensioners who are residents in Germany, France, Italy, Austria, Spain or Portugal have the right to choose. They can be made exempt from Compulsory Insurance in Switzerland, if they are lawfully insured in their resident country. Non-active (not gainfully employed) family members of pensioners in Germany, Finland, France, Italy, Austria and Spain also have the right to choose. (Annex 1)
22. Why can pensioners, who are residents in certain European countries, be made exempt from compulsory health insurance in Switzerland?
This is due to intergovernmental agreements between certain countries. These agreements are recorded in the Agreement on the Free Movement of Persons.
23. I draw a Swiss pension and live in an EU-state (Germany, Austria, France, Italy, Portugal and Spain) which offers the choice to be either insured there or in Switzerland. I would like to be insured in my state of domicile and to cancel my health insurance in Switzerland. How should I proceed?
If you apply for the voluntary health insurance in Germany, you will need a form E104 from your health insurance. By means of this form you can apply for an official health insurance in Germany. If you send us a copy of your pension certificate (AHV/AVS or pension fund) with a note that you wish to take out insurance in your country of domicile (Austria, France, Italy, Portugal or Spain, we will exempt you from the compulsory health insurance in Switzerland and send you the relevant confirmation. With this confirmation you are able to apply for immediate admission into the official health insurance of your state of domicile.
31. Which Swiss insurance companies operate in my resident country?
The following health insurance companies provide insurance in all or some EC (European Community) and EFTA member countries:
List of the companies which provide insurance in all EC and EFTA member states (document PDF 64 KB)
32. Where can I request a list of Swiss insurance companies which operate in my resident country?
Such a list is available from the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
33. How can I find out how many members a Swiss insurance company has?
Statistics are available from the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
34. Is every one of the Swiss insurers which operate in my resident country obliged to include me in basic insurance?
Yes, every insurer is unconditionally obliged to register you under basic health insurance, no matter your age or physical state. The insurer is not allowed any provisos.
35. Can I take insurance from the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act)?
No, the Gemeinsame Einrichtung KVG is not a health insurance company. It is merely the liaison office and the assistance institution for Swiss health insurance.
36. My wife also receives a Swiss pension. We were insured in different insurance companies in Switzerland. Although we are residents in an EU member country we would like to keep it that way. Can we be insured by different insurance companies?
In principle, yes, as compulsory insurance for your wife results from the receipt of a Swiss pension, provided that both of the insurers operate in your resident country.
37. My non-active (not gainfully employed) wife has not yet reached AHV retirement age. We were insured in different insurance companies in Switzerland. Although we are residents in an EU member country we would like to keep it that way. Can we be insured by different insurance companies?
No, that is not possible. Due to the Federal Health Insurance Act non-active family members who are residents of an EU country have to be insured by the same health insurer.
38. I would like to choose an Insurer that offers low premiums. Will this entail any disadvantages (lower benefits)?
No, the benefits accord to the provisions/regulations of the resident country and are, therefore, the same for any insurer. Apart from that the premiums have to be approved of by the Swiss supervisory authority (Federal Office of Social Security).
39. If I am not satisfied with the benefits or the premiums of my present health insurance, how and when can I change health insurer?
When you receive information on the new premium (applies on 1st January of
every year) you can cancel your insurance on thirty days notice (i.e. until 30th
November).In addition you can cancel for midyear (notice until 31st March) or
the end of the year (notice until 30th September).
You should choose a new insurer and handle the entry formalities as quickly as
possible. The changing of the insurer will only be effective when the new
insurer has informed the former insurer that you will be registered under health
insurance. You should point this out to your new insurer.
We advise you to send your cancellation notice by certified mail. The
cancellation is due on the last day (working day) of the month (the notice has
to be received on that date!)
40. I momentarily live in Switzerland and I am insured with a Swiss health insurance company. As soon as I reach the AHV retirement age I am going to move to an EU member country. Unfortunately my present health insurer does not operate in that country, therefore I will have to change insurance company. Will the insurance be cancelled automatically when I move away, or will I have to give cancellation notice? If I have to give cancellation notice, what is the cancellation period?
It is not necessary to give cancellation notice. A notification will be sufficient as you cannot stay registered under this insurance if you move to another country. You should see about being insured with a health insurance company which operates in your resident country in good time.
51. Is my wife’s premium included in my premium or will I have to pay the same premium twice?
For each person insured in Switzerland there is a premium to be paid. Your wife’s premium is therefore not included in yours.
52. In Switzerland there is a maximum of three premium regions. Is this the same in EU countries? I live in the countryside where the premium costs are low.
Yes, also EU member countries have three premium regions possible, although only few health insurance companies make use of it. You can ask for a premium list at the Gemeinsame Einrichtung KVG (Gemeinsame Einrichtung KVG).
53. The premiums of several health insurances within an EU country are quite different. Why?
The heights of the premiums depend on the extent of high-risk groups, diverse administrative expenses and regulations on reserve assets.
54. Are the premiums of a particular health insurance company the same in every EU country? This would mean that I, living in an EU country with limited medical capacities and accordingly low costs, am financing pensioners in more expensive EU countries?
No, these differences between EU countries and regions are taken into account.
55. Is it because of my age that my premiums are so high?
No, all adults from the age of 25 onwards have the same premium for a certain health insurance.
56. Do men and women pay the same premiums?
Yes, differences according to sex are not permitted.
57. How long will the listed premiums be valid for?
The listed premiums will be valid until the end of the year.
58. In Switzerland I had to pay my premium in monthly rates. Will it be the same now?
Yes, but the invoices can be issued quarterly without your consent.
59. Will the invoices have to be paid in advance?
This is not regulated by the law. The regulations of your health insurance company are decisive (normally it is paid in advance).
60. -
-
61. Will I have to pay the premiums in Swiss Francs, Euro or in the currency of my residence country?
Either in Swiss Francs or Euro, depending on the insurer.
62. Will I have to transfer the premium payments to Switzerland or does the insurer have an account in my resident country?
There is no lawful regulation on this. Please ask your health insurance. They will be able to supply you with the necessary details and mode of payment.
63. In Switzerland one can save on premiums if there is an agreement on a selectable annual franchise (fixed amount of cost participation). Why are these franchises not listed on the premium list for my resident country? Do the insurers not want to offer them or are they not allowed to?
Due to the authoritative enactment regulations, selectable annual franchises may not be offered to pensioners who are residents in any EU country.
64. In Switzerland one can save on premiums, if one has a health insurance with limited options (e.g. to choose physicians). Why are such options not listed on the premium list of my resident country? Do the insurers not want to offer it or are they not allowed to?
Due to authoritative enactment regulations these forms of insurance may not be used in any EU country.
65. In Switzerland one can save on premiums if one eliminates the risk of accidents. I don’t go in for sports and I don’t drive a car. Can I eliminate the risk of accidents?
No, this possibility only occurs if you are insured for accidents under the Accident Insurance Act (UVG).
66. What will happen if I do not pay my premiums?
If insured persons living in an EU country do not pay their premiums they will be admonished in written form as well as informed on possible consequences by the insurer. After that the insurer can cancel benefits until the outstanding amounts are paid. In addition the assistance institution will be informed by the insurer. Once the outstanding premiums are fully paid the insurer will cover benefits occurred during that time.
71. I have troubles to make ends meet with my pension. Now, additionally, I have to pay the premium for Swiss health insurance. Can I file a petition to the local Social Security authorities, or who can help me?
You can file a petition to the local Social Security authorities any time. We cannot judge, however, your chances of getting financial support. But you should consider the possibilities of a premium reduction in Switzerland.
72. Will premium reduction in some Swiss Cantons be arranged automatically or do I have to file a petition?
You have to file a petition to the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) using the official application form. This form is available at the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act).
73. I have had a lot of expenses this year due to reconstruction work at my house. Can I assert this with premium reduction?
No, this is not provided for by the regulations of the Federal Counsel.
74. Will I have to apply for premium reduction annually or will I receive it automatically for as long as I live in narrow financial circumstances?
The application has to be filed annually, always using the form designated.
75. Will the premium reduction be paid out to me?
No, the payout will be done by the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) to the health insurer who will accordingly reduce your premium.
76. Will my premium be reduced straight away when I receive a premium reduction or will I have to pay the whole premium for the time being?
You will have to pay the full amount for the time being, but only until entitlement and amount are verified.
77. To which extent will my premium be reduced? Are there grades of 25, 50,75 and 100%, the same as for Swiss residents?
No, there are no grades in premium reduction. You receive premium reduction if the actual average premium per year is higher than 6% of your authoritative income. This will be calculated according to your request, taking into consideration the buying power of your country of residence. Please note that the pension will be adjusted accordingly e.g. see premium reduction.
a) General
81. What do I have to do in order to receive benefits by debiting my Swiss health insurer?
In order to claim benefits in your country of domicile, you need the form E121, which is issued by your Swiss health insurance. You will find the address of the liaison office in your country of domicile in appendix 2.
82. -
-
b) Benefits in your resident country
83. If I receive medical treatment in my resident country, which Health Insurance Act will be authoritative? The Swiss one (Federal Health Insurance Act, KVG) or the one of my resident country?
The Health Act of your resident country will be authoritative.
84. Do I have to pay invoices (doctor’s bills etc.) myself first, or will they be sent straight to my health insurer?
It depends on the regulations in your resident country. It is the same for you as for persons who are insured in your resident country. You will receive information on paying arrangements from the assistance institution in your resident country. (see question 81)
c) Benefits in Switzerland
85. I often visit my children in Switzerland. What happens if I fall ill or have an accident during my stay in Switzerland? Who will have to turn to? Will I receive an invoice? Will I have to do anything before leaving?
You will have to turn to the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act). This office acts as assistance institution. The invoice will be addressed either to you or the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act), depending on the contracts of Swiss insurers with doctors, hospitals etc. Important: Before leaving the country you have to apply for a European health insurance card or a form E111 from your health insurance.
86. The benefits from my health insurance in my resident country are quite limited. I’d rather be treated in Switzerland. Can seek medical treatment in Switzerland?
This is a permission case. If the treatment is covered by comprehensive benefits but you cannot be treated in your resident country within the necessary time, your health insurer will check whether you can seek treatment in Switzerland. If you live in Belgium, France, Germany, the Netherlands or Austria and have a Swiss health insurer you have the option to choose in which country you would like to be treated (resident country or Switzerland).
d) Benefits in EU countries other than your resident country
87. What happens if I am in an EU member country as a tourist and I urgently need medical treatment?
Before starting your journey you must apply to your health insurance for a European health insurance card or a form E111 to enable you to claim health care benefits. You have a right to the necessary treatment and the assistance institution of the country in which you stay as a tourist will take over the costs.
e) Benefits in a third-country
88. What happens if I am a tourist in a third-country (i.e. neither EU member country nor Switzerland, e.g. USA, Canada) and urgently need medical treatment?
In such a case the Agreement on the Free Movement of Persons will not be effective, as it is an agreement between EU countries and Switzerland. Please note that there is no agreement yet with the new EU-States (at the earliest by mid 2005). If you are insured by a Swiss insurer the Swiss Health Insurance Act (KVG) will apply. The Swiss insurer will cover the costs of emergency treatments in third-countries. It is declared an emergency if you need medical treatment and a return to your resident country is, due to your state, not advisable. It is not declared an emergency if you have travelled to this country purposely in order to seek medical treatment. You will have to pay the bill yourself. After that you will send the original bill to your Swiss insurer, who will refund up to twice the amount the same treatment would cost in Switzerland. We suggest that you take out additional private travel insurance to cover you for rescue and ambulance costs within Europe. If you travel outside Europe we also recommend that you take out private travel insurance.
91. What is my cost participation if I receive treatments in my resident country resp. in Switzerland?
The amount depends on the legislation of the country. In Switzerland the cost participation is collected by the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act). For tourists it is SFR. 92.-- for adults and SFR.33.--for children (overall) within a period of 30 days.
92. What happens if I don’t pay cost participation to my Swiss health insurer?
If insured persons who live in an EU member country do not pay their cost participation for medical treatment in Switzerland they will be admonished in written form as well as informed on possible consequences by the insurer. Having done that, the insurer can cancel benefits until the outstanding amounts are paid. In addition the assistance institution will be informed by the insurer. Once the outstanding costs are fully paid the insurer will cover for any benefits occurred during that time.
101. What do I have to do in case I do not agree with a decision of the assistance institution in my resident country?
Basically the right for appeal of the resident country applies. You can challenge a decision of the assistance institution which you do not approve of. You must ask for an appealable decree. The procedure has to be carried out according to the legal means specified in the decree. If there are no such legal means, the assistance institution can be requested to newly regulate the decision according to legal means and (if the legislation of the resident country provides it) to specify these legal means.
102. What do I have to do if I do not approve of a decision of the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act)?
You can file an administrative appeal against a decree issued by the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) (exemtion from compulsory insurance, assignments to insurers,decisions concerning premium reduction) at the Federal Objection Commission of Old Age, Disability and Survivor’s Insurance for Persons Living Abroad, Route de Chavannes 35, CH-1007 Lausanne. If your complaint is denied you normally bear the costs of the proceedings. The decisions of this commission can be appealed against by an administrative court appeal at the Federal Insurance Court in Lucerne.
103. What do I have to consider composing an administrative appeal?
You always have to include a legal claim (what do you want?), a short résumé of the circumstances of the case (how did this decision come about?) and an explanatory statement (why should your legal claim (mentioned above) apply and not the decision appealed against?). We advise you to always send an administrative appeal duplicated, including a copy of the decision appealed against by certified mail to the office responsible.
104. Who can I turn to if I do not approve of a decision of the Gemeinsame Einrichtung KVG (Common Institution under the Fed. Health Insurance Act) but if I do not want to file an administrative appeal straight away?
Swiss health insurance providers have established an independent foundation
“Ombudsman of the Social Security Insurance”. You will receive free legal advice.
Address: Ombudsman der sozialen Krankenversicherung, Morgartenstrasse 9, CH-6003
Lucerne, phone (German) 0041 41 226 10 10, phone (French) 0041 41 226 10 11,
phone (Italian) 0041 41 226 10 12, further Information: Monday to Friday 9am to
10.30am (Swiss time)
Assignment of Pensioners with Residence in an EU Member State pursuant to Health Insurance Law
|
|
 |
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
Liaison Offices for Health Insurance
BELGIUM
Institut national d’assurance
maladie-invalidité
Avenue de Tervuren 211
B-1150 Bruxelles
DENMARK
Den Sociale Sikringsstyrelse
Landemaerket 11
DK-1119 Kobenhavn K
GERMANY
Deutsche Verbindungsstelle
Krankenversicherung-Ausland (DVKA)
Pennefeldsweg 11 -15
D-53177 Bonn
FINLAND
Kansaneläkelaitos
Terveys - ja toimeentuloturvaosasto
Postfach 78
FIN-00381 Helsinki
FRANCE
Centre de Sécurité Sociale
des Travailleurs Migrants
11, rue de la Tour des Dames
F-75436 Paris Cedex 09
GREECE
Idryma Koinonikon Asfaliseon (IKA)
Agiou Konstantinou 8
GR-102 41 Athen
GREAT BRITAIN
Department of Social Security
Pensions and Overseas Benefits
Directorate
Tyneview Park
Benton
Newcastle upon Tyne
ENGLAND NE98 1BA
IRELAND
Department of Social Welfare, International Section,
Aras Mhic Dhiarmada
Store Street
Dublin 1
IRLAND
ITALY
Ministero della Sanitá
Dipartimento
Assistenza Sanitaria di competenza
Statale - Ufficio IX
Piazzale dell’Industria, 20
I-00144 Roma
LUXEMBURG
Union des Caisses de Maladie
Boite Postale 1023
L-1010 Luxembourg
NETHERLANDS
College voor Zorgverzekeringen
Prof. J.H. Bavincklaan 2
NL-1183 AT Amstelveen
AUSTRIA
Hauptverband der
österreichischen Sozialversicherungsträger
Kundmanngasse 21-23
A-1030 Wien
PORTUGAL
Departamento de Relacoes Internacionais
de Seguranca Social
Rua da Junqueria 112
P-1302 Lisboa Codex
SWEDEN
Riksförsäkringsverket
Internationella Sekretariatet
SE-103 51 Stockholm
SPAIN
Instituto National de la Seguridad Social
Padre Damián, 4
E-28036 Madrid
Further Details:
Gemeinsame Einrichtung KVG
Common Institution under the Fed. Health Insurance Act
International Coordination Health Insurance
P.O. Box
CH-4503 Solothurn
Phone: 0041 32 625 30 30 (8.00 – 11.30 and 14.00 – 16.00)
Fax: 0041 32 625 30 96 E-Mail: info@kvg.org Internet:
www.kvg.org
For contact persons see Personnel
top
