The insurance solution for international students in Switzerland

ScoreStudies :)

The insurance soluTion for inTernaTional sTudenTs in swiTzerland

2014 - 2015

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The comprehensive insurance soluTion for your sTudies in swiTzerland... and during your inTernships and your Trips abroad !

ScoreStudies is a comprehensive insurance solution for international students coming to Switzerland. This insurance package is perfectly suited to the local system and to international students’ specific needs and budget. With two different healthcare plans, ScoreStudies Premium and ScoreStudies Essential, you can choose the student insurance that best suits your needs !

your advanTages wiTh scoresTudies M Healthcare plan without medical questionnaire and fully compliant with the Swiss health

authorities

M You consult a doctor, a specialist or hospital of your choice in Switzerland or abroad (USA: only emergency treatment is covered)

M Enjoy specifically designed student benefits and exclusive assistance services when you travel!

M Limited out-of-pocket expenses : Direct settlement of in-patient claims, where possible

M Fully completed claims to be processed, payment issued and members notified within 48 hours

M Enjoy your personal secured online Account and a 24/7 multilingual customer service

M A simple, easy way to access your health insurance with MyHealth AppNEW!

M ScoreStudies is recommended by the main universities and private schools in Switzerland

M A range of private civil liability and home insurances exclusively designed with Generali for international students in Switzerland

You are an international student living in Switzerland (B and L Permits):

P Bachelor and Master students

P Exchange student

P Intern

P PhD (Based on your annual salary - Please, contact us)

P Au pair

who is eligible ?

firsT-raTe insurers

ALLIANZ WORLDWIDE CARE Medical & assistance

GENERALIPrivate civil liability & home insurances

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innovaTive scoresTudies benefiTs

Freedom to choose your medical providers worldwide except in the USAScoreStudies covers your medical costs in Switzerland and in other countries, wherever your internships, your academic exchanges, your weekends or your holidays back home take you. In summary, as long as it is covered by your plan, you can decide to receive your treatment anywhere except in the USA where only emergency treatments are covered J.

Optical benefitsScoreStudies Premium covers your prescribed contact lenses and glasses up to 200 CHF/year.

MyHealth AppNEW!

The first app that can photograph invoices for submission of international medical claims – with no paper claim forms to complete. And access to policy documents, even offline. Last, find closest hospitals and get directions to them using GPS.

A delayed departure due to exams reschedulingThe school notifies your exam dates have been postponed L? We cover up to 150 CHF of your flight ticket rescheduling fees to modify your departure J!

Theft of ID documents outside of Switzerland You are visiting Paris for 3 days. You get your passport stolen which makes it temporarily impossible for you to return to Switzerland L. You apply for a new passport at your Embassy in Paris, it takes 48hrs to get it. We cover the cost of your involuntary stay (hotel, food, local transport) up to 1,500 CHF/occurence J.

Parental presence in case of hospitalization over 7 days During an internship abroad, you catch a severe stomach virus. After 7 days in the hospital, you are entitled to the visit of one of your parents to be by your side at the hospital. We cover transportation and living costs for one parent up to 4,000 CHF/occurence.

A private civil liability and home insurance Select your own private civil liability and home insurance plan, whether you are single or with your family.

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scoresTudies benefiTs

With two different healthcare plans, ScoreStudies Premium and ScoreStudies Essential, you can choose the student insurance that best suits your needs! To reduce your premium, simply select the higher deductible.

Note : Treatment Guarantee is required for all in-patient benefits � and may be required for other benefits � as indicated in the following tables – please refer to the “Notes” section for more information. For further details on benefits, please refer to the ScoreStudies terms and conditions.

CORE PLAN PREMIUM ESSENTIAL

Maximum plan benefit CHF per accident/illness per lifetime CHF 1,000,000 CHF 1,000,000

In-patient benefits � - please refer to notes for Treatment Guarantee

Hospital accommodation � General ward General ward

Intensive care � Full refund Full refund

Prescription drugs and materials � Full refund Full refund

Surgical fees, including anaesthesia and theatre charges � Full refund Full refund

Physician and therapist fees � Full refund Full refund

Surgical appliances and prosthesis � Full refund Full refund

Diagnostic tests � Full refund Full refund

Organ transplant � Full refund Full refund

Psychiatry and psychotherapy � (in-patient and day-care treatment only)Full refundMax. 20 days

Full refundMax. 20 days

Emergency in-patient dental treatment 80% refund 80% refund

Day-care treatment � Full refund Full refund

Kidney Dialysis � Full refund Full refund

Out-patient surgery � Full refund Full refund

Nursing at home or in convalescent home � (immediately after or instead of hospitalisation) CHF 20 per dayMax. 100 days

CHF 20 per dayMax. 100 days

Rehabilitation treatment � (in-patient, day-care and out-patient, must commence within 14 days of discharge after acute medical and/or surgical treatment ceases)



Local ambulance Full refund Full refund

Emergency treatment outside area of cover (for trips of a maximum period of 6 weeks) Full refundMax. 42 days


CT and MRI scans (in-patient and out-patient treatment) Full refund Full refund

PET � and CT-PET scans � (in-patient and out-patient treatment) Full refund Full refund

Oncology � (in-patient and out-patient treatment) Full refund Full refund

Routine maternity � (in-patient and out-patient treatment) Full refund Full refund

Complications of pregnancy and childbirth � (in-patient and out-patient treatment) Full refund Full refund

Home delivery Full refund Full refund

Legal abortion Full refund Full refund

Emergency out-patient treatment Full refund Full refund

Emergency out-patient dental treatment 80% refund 80% refund

Palliative care � Full refund Full refund

Long term care � Full refund,Max. 90 days per lifetime

Full refund,Max. 90 days per lifetime

Prescribed stay in a spa CHF 10 per dayMax. 21 days

CHF 10 per dayMax. 21 days

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scoresTudies benefiTs

OPTICAL PLAN PREMIUM ESSENTIAL

Prescribed glasses and contact lenses CHF 200 N/A

OUT-PATIENT PLAN PREMIUM ESSENTIAL

Maximum plan benefit No limit No limit

Medical practitioner fees and LAMal covered prescribed drugs Full refund Full refund

Specialist fees Full refund Full refund

Diagnostic tests Full refund Full refund

Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medecine and acupuncture 50% refund 50% refund

Prescribed physiotherapy and speech therapy Full refund Full refund

Psychiatry and psychotherapy Full refund Full refund

Prescribed medical aids Full refund Full refund

HIV/AIDS test

Annual gynaecological examCHF 150 CHF 150

Prescribed nicotine replacement therapy products CHF 75 N/A

ASSISTANCE PLAN PREMIUM ESSENTIAL

Search and rescue CHF 30,000 CHF 30,000

Medical repatriation Full refund Full refund

Repatriation of mortal remains Full refund Full refund

Parental presence in case of hospitalisation over 7 days (Benefit only applies to treatments outside of Switzerland)

CHF 4 000 CHF 4 000

Theft of ID documents (Benefit only applies to events outside of Switzerland)

CHF 1,500 CHF 1,500

Emergency message transmission Full refund Full refund

Return flight postponement due to exam rescheduling CHF 150 CHF 150

DENTAL PLAN PREMIUM ESSENTIAL

Dental prostheses (in case of accident only) CHF 200 N/A

OUT-PATIENT DEDUCTIBLES PREMIUM ESSENTIAL

The following are the Out-patient Plan deductibles payable per person, per insurance year. To reduce your premium, simply select the higher deductible.

Out-patient deductible 1 CHF 300 CHF 300

Out-patient deductible 2 CHF 750 CHF 750

Note: What is a deductible ? The deductible is the amount you have to pay out-of-pocket for expenses before the insurance company will cover the remaining costs. This applies per assurance year.

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exclusive services

… we take care of you during your studies, your personal or academic trips overseas.

… sTay connecTed

P Change your personal details

P Download your insurance certificate, table of benefits, and electronic version of your Membership card

P Check claims status and amounts reimbursed

P Make a payment

P Retrieve your login details

@

easy and fasT ! your claims

J Anytime, Anywhere… scan and email us your completed claim forms, they will be processed within 48 hours.

flexible and ToTally inTernaTional! paymenT made in over 140 currencies !

J Reimbursements can be sent to your local Swiss bank account, your account at home or your account in the country where you reside for your internship. You choose!

@

… 24h/24 in 6 languages

English

Deutsch

Français

Español

Italiano

Português

… MyHealth APP

… YOUR MEMBERSHIP CARD

� You will receive your ScoreStudies Membership Card which contains all the key information and the 24/24 helpline and assistance service.

J This card offers you the benefit of direct payment of hospital costs from Allianz Worldwide Care. The Allianz brand is a guarantee of security and world recognition.

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annual deducTible age monThly QuarTerly half-yearly annually

750 CHF 0 - 29 79 CHF 234 CHF 466 CHF 919 CHF

750 CHF 30+ 118 CHF 346 CHF 689 CHF 1,363 CHF

300 CHF 0 - 29 97 CHF 289 CHF 576 CHF 1,135 CHF


annual deducTible age monThly QuarTerly half-yearly annually

750 CHF 0 - 29 74 CHF 218 CHF 434 CHF 866 CHF


300 CHF 0 - 29 91 CHF 269 CHF 536 CHF 1,071 CHF


affordable premiums

ScoreStudies ESSENTIALPremium for healthcare + assistance benefits

ScoreStudies PREMIUMPremium for healthcare + assistance benefts

Private civil liability S Coverage for personal injury or material damages to a Third Party for up to 3 million Swiss Francs

S Worldwide cover excluding USA & Canada - 200 CHF per claim deductible

sTaTus individual family/co-habiTanTs

Annual Premium 68 CHF 105 CHF

Home insurance + Covers against fire (except for Cantons of Vaud and Nidwald), flood, theft

+ Option luggage coverage 2’000 CHF and off-premises theft – 2’ 000 CHF

+ CHF 200.- deductible

home insurance coverage - choice beTween 5 benefiTs annual premium

Home insurance 20’000 CHF 60 CHF

Home insurance 20’000 CHF + off-premises theft 2’000 CHF 143 CHF

Home insurance 20’000 CHF + off-premises theft 2’000 CHF + luggage 2’000 CHF 192 CHF

Home insurance 50’000 CHF + off-premises theft 2’000 CHF 202 CHF

Home insurance 50’000 CHF + off-premises theft 2’000 CHF + luggage 2’000 CHF 250 CHF

Note: Applicable premium until 31 May, 2015 for any Student (B or L Permit) living in Switzerland.

With two different healthcare plans, ScoreStudies Premium and ScoreStudies Essential, you can choose the student insurance that best suits your needs. For each plan, you have the choice between two annual deductibles, 300 CHF and 750 CHF.

... ScoreStudies supports GIVEWATTS ScoreStudies supports the development of the NGO Givewatts to provide clean renewable energy solutions to schools in Kenya. Their mission is to replace existing polluting charcoal, firewood and kerosene solutions by clean energies. We donate 3 CHF to Givewatts for any new subscription. By enrolling to ScoreStudies, you contribute to the educational success of young students in Kenya and the improvement of their health conditions. www.givewatts.org

Customer Care ScoreStudiesScoreStudiesVoie du Chariot, 3CH - 1003 Lausanne

Tel : + 41 (0) 21 560 56 23Fax : + 41 (0) 21 560 55 00Email : [email protected]

www.ScoreStudies.ch

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The insurance solution for international students in Switzerland

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