Are you considering laser eye surgery but wondering about reimbursement options in Switzerland? This procedure, which restores clear vision without glasses or contact lenses, represents a significant investment. Fortunately, several financing and reimbursement options exist to make this laser surgery more accessible to Swiss patients.
Does basic health insurance cover laser surgery?
Laser refractive surgery is generally not covered by mandatory health insurance (LAMal). This procedure is considered a cosmetic treatment rather than a medical necessity.
Exceptions for reimbursement by basic insurance
In certain exceptional cases, a refund may be considered:
- Severe visual impairment: Myopia or hyperopia of at least +/- 10 diopters with the inability to wear contact lenses. To better understand this visual impairment, see our article All about myopia.
- Significant difference between the eyes: Visual acuity difference of at least +/- 3 diopters without the possibility of correction by lenses.
- Medical impossibility: Proven inability to wear glasses and contact lenses for health reasons.
These situations require a thorough medical assessment and prior notification to your health insurance fund.
What supplementary insurance policies cover laser surgery?
Good news: many supplemental health insurance plans offer partial reimbursement for your laser surgery. Here’s an overview of the main offers:
Helsana
- Completa Plus: 100% up to CHF 500 per eye per year (waiting period: 12 months).
- Completa Extra: Up to CHF 750 per eye per year (waiting period: 6 months).
Groupe Mutuel
- Mutuel Future: 90% up to CHF 800 for the entire duration of the contract.
- Excellent value for money for this service.
CSS
- MyFlex Premium: CHF 300 per year for visual aids (including laser).
- A flexible formula adapted to modern needs.
Other supplementary insurance
- Concordia Diversa Premium: 50% discount up to CHF 600 per 5-year period.
- Atupri Mivita Extensa: Maximum CHF 1,000 per 5-year period.
- ÖKK Nature Plus: CHF 500 one-time fee.
How to optimize reimbursement for laser surgery?
Check your current coverage
Contact your insurer to find out exactly what your rights are. Each contract has its own specific terms and conditions regarding:
- Maximum amount reimbursed.
- Applicable waiting period.
- Special conditions.
Anticipate the waiting period
Most supplemental insurance plans impose a waiting period of 6 to 12 months. Plan your procedure accordingly to receive the maximum reimbursement.
Keep all documents
Keep your detailed quote and invoice safe. These documents are essential for obtaining your refund.
What is the cost of laser surgery in Switzerland?
The price of laser eye surgery is generally between CHF 3,000 and 5,000 for both eyes. This amount varies depending on:
- The technique used (Femtolasik, TransPRK, ICL implants).
- The chosen clinic.
- The level of post-operative monitoring.
- Pre-operative examinations included.
Beware of offers that seem too good to be true.
Beware of unusually low prices, which may hide additional charges such as:
- Follow-up consultations.
- Post-operative medications.
- Additional examinations.
- Any necessary enhancements or adjustments.
Why choose Oculus clinics for your surgery?
At Oculus clinics, we are committed to making laser vision correction accessible and transparent. Our approach includes:
Cutting-edge technologies
Ziemer Z8 Femtosecond Laser: World-renowned Swiss precision.
Teneo 2 Excimer Laser: Real-time eye movement tracking.
Femtolasik and TransPRK techniques: Adapted to each patient profile.
Personalized support
- FMH surgeons specializing in ophthalmology.
- Pre- and post-operative consultations provided in person.
- Personalized follow-up without teleconsultation.
- Total transparency on costs.
Exceptional results
- Satisfaction rate exceeding 95%.
- Clear vision the very next day with the Femtolasik technique.
- Quick and comfortable recovery.
Laser surgery: a profitable investment
Compared to the cumulative cost of glasses and contact lenses over several years, laser surgery often represents a wise investment. Not to mention the benefits in terms of:
- Visual freedom: No more dependence on optical corrections.
- Everyday comfort: No more lens care hassles.
- Safety: Reduced risk of contact lens infections.
- Quality of life: Simplicity restored in all your activities.
Steps to obtain your refund
- Check your coverage with your supplemental insurance provider.
- Request a detailed quote from the Oculus clinic.
- Respect the waiting period if necessary.
- Keep all documents related to your intervention.
- Submit your application with all supporting documents.
Book your appointment today
Are you thinking of taking the plunge? Our teams at Oculus clinics are available to review your case and assist you with your reimbursement process.
Contact us for a personalized consultation and discover how to optimize your laser eye surgery reimbursement in Switzerland. Regain clear vision and lasting visual freedom thanks to our cutting-edge technologies and recognized expertise.