Laboratory analyses and tests involve examining samples of blood, urine, tissues, or other bodily fluids to detect diseases, assess health, and monitor treatment progress. These are reimbursed if prescribed by a medical doctor for a specific health issue and administered by a physician, lab, or pharmacy.

Preventive laboratory analyses, such as prostate-specific antigen (PSA), TSH tests to check for thyroid function, and HIV and hepatitis C tests, are reimbursable once a year at a 100% rate.

Preventive medical check-ups, such as general check-ups with a full health screening that are typically conducted at a hospital and do not involve a diagnosis, are reimbursed at 80%, up to a maximum of CHF 1,000.- per calendar year. These services do not require prior authorization but are available with a valid prescription that should detail the required exams and medical reason.

COVID-19 tests are reimbursed in the same way if administered by trained staff. The requirement for a medical prescription may be waived if written proof is submitted showing that the test was requested by a competent authority. Self-tests and tests requested by a country or airline for personal travel purposes are not reimbursable.

Genetic tests and liquid biopsy are reimbursed with the approval of the Medical Adviser. Before undergoing testing, please send your request to the Medical Adviser with the following documents:

• A medical report indicating the suspected illness or direct family illness history.
• A prescription issued by a geneticist other than the one performing the test.
• A quotation.

Once prior authorization is granted, you may undergo testing, which will be reimbursed at 80%. The coverage extends to testing for a maximum of 100 genes. Genetic tests exceeding 100 genes will not be reimbursed. Tests performed without prior authorization will not be reimbursed.