When you take out health insurance via a mutual fund, you will receive a membership card (known as a SIS card) and a number of stickers.

Please take your SIS card and stickers every time you go to the pharmacy, a doctor, a hospital, or to the health insurance office. You may be asked to show your SIS card or use one of the stickers.

If you don’t have your SIS card with you, you will have to pay the full amount at the pharmacy. In this case, ask for the N704 form for reimbursement so that you can be reimbursed by the health insurance company.

If you have to go to hospital and you don’t have your SIS card, you will get an invoice for the total cost. Don’t pay it - simply bring it to the health insurance company, and they will take care of a correct invoice. But beware: in the event you present yourself at the emergency room, you will be expected to pay immediately (a fee of ca. €160). A possible reimbursement will only happen after the insurance company has received all invoices.