Insurance categories and care

Depending on your medical diagnosis and the recommendation of your doctor, you may receive treatment or be admitted to our hospital either as an outpatient or an inpatient, regardless of your insurance status.

Treatment counts as "inpatient" if it meets the following criteria:

  • The treatment lasts at least 24 hours
  • The patient is being transferred to another hospital
  • Where the stay is for less than 24 hours, a bed is occupied overnight and the patient has been admitted to a care unit (not an emergency unit)

In short, you will be considered to be an inpatient if you stay at the hospital overnight.

Outpatient treatment is considered to be anything that is not inpatient treatment and therefore includes medical consultations, diagnostic examinations and surgical procedures that allow you to return home the same day.

Mandatory health insurance (basic insurance)

You have basic insurance (as defined by LaMal*)

Outpatient treatment :

Invoicing for outpatient treatment follows TarMed** rules, regardless of insurance status.

TarMed is a charging structure specifically for outpatient treatment used everywhere in Switzerland in the context of mandatory health insurance. This means that in the canton of Geneva, the fee charged is set by law and will therefore be the same at Clinique La Colline, a public hospital, a drop-in centre or a GP's surgery.

Following your outpatient treatment, you will receive an invoice from the hospital in accordance with TarMed fees. The sum will be reimbursed by your basic insurance after any excesses or fixed contributions have been deducted. This invoice will also include your doctor's fee.

 

Inpatient treatment:

Following the introduction of a new hospital charging system in 2012, you now have the option of being admitted to a private hospital. This option is subject to certain conditions laid down by the canton, in particular:

  • You must be a resident of the canton of Geneva,
  • You must have mandatory health insurance only
  • You must have a condition (medical or surgical) that is covered by the list granted to the hospital by the canton (specialties, number of cases annually, budget allowance)

Hirslanden Clinique La Colline is one of the hospitals on the list of those mandated by the canton of Geneva to provide healthcare services, in particular in the fields of orthopaedics and neurosurgery. The cost of treatment involved in such hospitalisation will therefore be covered by your basic insurance (45 %) and the cantonal contribution (55 %) with no additional costs being charged to you. The cost includes doctors', laboratory and radiology fees. Only your personal expenses will be charged to you (e.g. requests for an upgraded room, etc.). These specific requests must be approved by the doctor and the hospital in advance.

*LaMal: Federal Law on Health Insurance

**Tarmed: TARMED Suisse is a company that aims to maintain and develop TARMED medical fee structures.

Hirslanden Clinique La Colline figure sur la liste hospitalière et bénéficie d’un mandat de prestations de la part du Canton de Genève (notamment dans les domaines de l’orthopédie et de la neurochirurgie). La prise en charge forfaitaire d’une telle hospitalisation sera donc entièrement couverte par votre assurance de base (45%) et la participation cantonale (55%) sans frais supplémentaires à votre charge. Ce forfait comprend les honoraires des médecins, laboratoire, radiologie, etc. Seules vos dépenses personnelles seront à votre charge (ex : demande d’une chambre surclassée, etc.). Ces demandes spécifiques doivent être validées au préalable par le médecin et la clinique. 

*LaMal : Loi Fédérale sur L'assurance Maladie

**Tarmed : TARMED Suisse est une société et a comme objectif le maintien et le développement de la structure des tarifs médicaux TARMED.

Semi-private insurance

Outpatient treatment :

There is no semi-private option for this type of treatment.

 

Inpatient treatment :

Your semi-private insurance allows you to be admitted to a private hospital.

Clinique La Colline has agreements in place with nearly all health and accident insurance companies in Switzerland.

During your consultation with your doctor, you will be asked for the details of your basic and additional insurance (name of the insurance company, class of insurance, policy number).

These details will be sent to the hospital's reservations department.

Before you are admitted, the hospital will ask your insurance company (basic and/or additional) for a payment guarantee.

Once this has been obtained, the hospital will be able to issue a third-party-payer invoice, which means that the invoice will be sent directly to your insurance company for payment to the hospital in full. Your insurance company will then send you a statement with any fixed charges for which you are liable in accordance with your insurance policy (excesses and/or fixed fees).

After discharge, the hospital will issue two invoices, even if your basic and additional insurance are with the same insurance company.

An invoice for the fixed cost of the procedures carried out will be sent to your basic insurance company. The total balance will be sent to your additional insurance company.

Doctor's fees and any laboratory or radiology examinations are not invoiced by the hospital but by the doctors and our partners.

Any personal costs will be invoiced to you if they have not already been paid when leaving the hospital.

Private insurance

Outpatient treatment :

There is no private option for this type of treatment.

 

Inpatient treatment :

Your private insurance allows you to be admitted to a private hospital.

Clinique La Colline has agreements in place with nearly all health and accident insurance companies in Switzerland.

During your consultation with your doctor, you will be asked for the details of your basic and additional insurance (name of the insurance company, class of insurance, policy number). These details will be sent to the hospital's reservations department.

Before you are admitted, the hospital will ask your insurance company (basic and/or additional) for a payment guarantee.

Once this has been obtained, the hospital will be able to issue a third-party-payer invoice, which means that the invoice will be sent directly to your insurance company for payment to the hospital in full. Your insurance company will then send you a statement with any fixed charges for which you are liable in accordance with your insurance policy (excesses and/or fixed fees).

After discharge, the hospital will issue two invoices, even if your basic and additional insurance are with the same insurance company.

An invoice for the fixed cost of the procedures carried out will be sent to your basic insurance company. The total balance will be sent to your additional insurance company. 

Doctor's fees and any laboratory or radiology examinations are not invoiced by the hospital but by our partners.

Any personal costs will be invoiced to you if they have not already been paid when leaving the hospital.   

International

For patients not subject to LaMal*

Outpatient treatment :

Since TarMed** is a charging model used in the context of Swiss social insurance, it does not apply to patients with other insurance or insured by other organisations.

This particularly applies to employees of international organisations and their families, as well as people visiting Switzerland.

The amount covered by your insurance company will depend on the general terms and conditions, which can vary significantly from one company to another. We advise that you contact your insurance company for more details; we are always happy to draw up a quotation if necessary.

 

Inpatient treatment :

During your consultation with your doctor, you will be asked for your insurance details (the name of your insurance company, class of insurance, policy number). These details will be sent to the hospital's reservations department.

Before you are admitted, the hospital will ask your insurance company for a payment guarantee.

The extent of your hospitalisation costs covered by your insurance will depend on the general terms and conditions.

The hospital will issue an invoice that will be sent either to you or to your insurance company, depending on these terms and conditions.

We advise that you contact your insurance company to find out how much you will be reimbursed; we are always happy to help if you to need to obtain a cost estimate.

For patients without insurance or where the treatment is not covered by insurance (cosmetic treatments for example), we will draw up detailed personalised quotations.

*LaMal: Federal Law on Health Insurance

**Tarmed: TARMED Suisse is a company that aims to maintain and develop TARMED medical fee structures.