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Coronavirus: Everything you need to know now

Updated on September 30, 2020

Covid-19 is still present in every aspect of our life. The numbers are still increasing and affect the life of the infected people as well as their environment. Since we do not know a lot about the coronavirus and many people already died due to the virus, we should still take care of us and others and stay at home if we feel ill. Especially if you have any of the typical symptoms, it is advisable to have a test for SARS-CoV-2. But when do you need to have a test and how do you proceed to get tested? And who will cover the expenses for testing?

Do you need to get tested?

If you feel unwell or have symptoms of infection with the coronavirus such as respiratory illness symptoms, high temperature or sudden loss of sense of smell and/or taste, it is recommended to do the coronavirus check online. If you are still not sure whether you should get yourself tested or not, you can furthermore contact your health insurance provider or get in touch with your doctor.

If you get a test recommendation by the online check or your doctor, you can get in touch with a hospital in your surroundings. Many hospitals do have a Covid-19 test station where you can go. They will explain you the next steps and inform you about the result usually within 48 hours. During this time, you should stay at home and try to avoid any contact to other people.

Who covers the expenses for testing?

There are three possible payers, depending on the circumstances. Since September 18th, the federal government will cover the costs for a molecular biological test as well as for a serological analysis, given that at least one of the following conditions is given:

  1. You are a symptomatic individual meeting at least one of the following clinical criteria:
    • Symptoms of acute respiratory disease such as coughing, sore throat, shortness of breath, chest pain
    • Fever without other medical cause
    • Sudden loss of the sense of smell and/or teste
    • Elderly individuals: Acute confusion or deterioration in general health without other medical cause
  2. You are an asymptomatic individual who has been notified by the SwissCovid app of contact with a COVID-19 case
  3. You have been in close contact to a Covid-19 case, are asymptomatic and in quarantine (the indication for testing will be established by the competent cantonal authority)
  4. You are asymptomatic and cantonal medical officers decide to have you tested (in order to investigate and control an outbreak)

Another possibility is that the test is requested by your employer. In this case, the expenses for the laboratory analysis and associated services will be fully borne by the employer.

If you do not meet any of the criteria mentioned above and request a test by yourself, for instance if you need a negative test result for a flight, you will have to bear the full costs for testing.

What if you are ill for a longer period?

In case you got infected with the coronavirus, you will have to stay at home in isolation. If at least ten days have passed since the first symptoms appeared and 48 hours since the symptoms subsided, you can end the isolation. But sometimes, the course of disease takes longer. If you are employed, your employer will have to continue paying your salary. Depending on your work contract, you will receive 80 or 100 percent of your usual salary (. If your employer concluded a daily sickness benefits insurance, they will overtake the payment of 80-100 percent of the insured salary after a defined waiting period.

Do you have more questions regarding the coverage of insurances in conjunction with the coronavirus or in general? Contact us now for a personal consultation.

Evgeniy Timoshenko

Do you have any questions? Get in touch with me.

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