Insurance - Generalities

The payment for your surgery at Clinique La Colline can be made by your insurance company either as an outpatient or an inpatient, based on the recommendations of your doctor.



Outpatient care

Outpatient care includes medical consultations, diagnostic examinations and surgical procedures allowing the patient to return home the very same day.



If you have taken out a basic insurance policy (according to LaMal*)

Being covered by a LaMal agreement involves billing according to TarMed**.

TarMed is a fee structure used throughout Switzerland as part of mandatory health insurance. This means that in the Canton of Geneva, the price is set by law and will be the same in all the medical establishments: at Clinique La Colline, in Geneva University Hospitals (HUG), in a medical centre or in a private practice.

After your treatment as an outpatient, you will receive a TarMed-based invoice. Then your insurance company will reimburse you, after deduction of a possible deductible or franchise. This bill also includes the doctors' fees.



If you are not covered by LaMal

Because it is a ratification system based on the Swiss health insurance only, TarMed can only apply to the patients who have taken out an insurance policy that follow its rules.

Such as for example: International organizations’ employees and their family, and non-residents of Geneva.

The amount paid by your insurance company depends on the general terms and conditions. It can vary greatly from one company to another.

We advise you to ask your insurance company about its policy regarding the level of reimbursement. We remain at your disposal to provide you with any cost estimation you may need.



A patient is considered hospitalized after having slept one night in a bed at the hospital.

We strongly advise you to read the general conditions carefully when taking out a supplementary insurance plan. The patient too often believes to be the beneficiary of a supplementary insurance in a private or semi-private system whilst the supplementary insurance taken out covers other kind of treatments, which are not covered by the basic mandatory insurance.

Naturally, our booking service systematically verifies with your insurance company the extent of your insurance cover before your operation, if planned. For emergencies outside the business hours of the insurance company, it will not be possible for our team to control the adequacy of your policy. Therefore, if the fees are not covered, costs are borne by the patient.



If you benefit from basic insurance (according to LaMal/LAA) and a supplementary private health insurance.

Clinique La Colline has signed commercial agreements with almost every Swiss medical and accident insurance company.

Before being hospitalized, Clinique La Colline will send your insurance company (mandatory or supplementary) a payment guarantee form.

Once returned, the clinic will perform its billing according to the third-party payment rules. It means that the invoice will be sent directly to your insurance company for direct payment to the clinic of the complete amount.
You will receive a detailed cost breakdown from your insurance company with a possible personal contribution in your care depending on your insurance policy (deductible and / or franchise).

After leaving, the clinic will prepare two invoices, even if your basic and supplementary insurance are underwritten by the same insurance policy.

A lump sum linked to the procedure performed will be sent to your basic insurance company. The balance will be sent to your supplementary insurance company.

Medical fees, any lab tests or possible X-ray are not billed by the clinic.

Any personal expenses will also be charged to you if they were not paid upon leaving the Clinique.



If you only have basic insurance

Following the introduction of the new hospital funding system in early 2012, it is now possible, under certain conditions, to be hospitalized in a private clinic.

Clinique La Colline received a partial performance mandate from the Canton of Geneva for the year 2012.

According to the following combined criteria, it is possible to get surgery at Clinique La Colline even if you only have compulsory health insurance, and without additional costs borne by you if:

You are a resident of the Canton of Geneva
You have to receive hospital treatment in orthopaedics or spinale neurosurgery
It is a case of disease for employed people, illness or injury to others (to be analyzed case by case for accidents)
The quota allocated to the clinic by the Canton has not been exhausted.

The hotel services will not be the same as those for patients who benefit from supplementary insurance.

The lump sum of the hospital fees will be divided among the basic insurance and the Canton. It includes doctors' fees, laboratory, radiology, etc. but does not includes personal expenses.



If you are not subject to LaMal

Your hospitalization cost coverage depends on your health insurance general terms.

Depending on the general condition, Clinique La Colline will send you or your insurance company the bill.

We advise you to ask your insurance company about its policy regarding the level of reimbursement. We remain at your disposal to provide you with any cost estimation you may need.

For patients without any insurance or for those whose surgery (such as plastic surgery) is not covered by an insurance company, a detailed, personalized quotation will be sent.



*LaMal: Federal Law on Health Insurance
**Tarmed: TARMED Switzerland is a society that aims at maintaining and developing the structure of TARMED medical fees.

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