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 !

1. Score
Studies :)
The insurance solution for international students in Switzerland
2014 - 2015

2. Score
Studies : )
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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
MM Healthcare plan without medical questionnaire and fully compliant with the Swiss health
authorities
MM You consult a doctor, a specialist or hospital of your choice in Switzerland or abroad
(USA: only emergency treatment is covered)
MM Enjoy specifically designed student benefits and exclusive assistance services when you
travel!
MM Limited out-of-pocket expenses : Direct settlement of in-patient claims, where possible
MM Fully completed claims to be processed, payment issued and members notified within 48 hours
MM Enjoy your personal secured online Account and a 24/7 multilingual customer service
MM A simple, easy way to access your health insurance with MyHealth AppNEW!
MM ScoreStudies is recommended by the main universities and private schools in Switzerland
MM 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):
PP Bachelor and Master students
PP Exchange student
PP Intern
PP PhD (Based on your annual salary - Please, contact us)
PP Au pair
Who is eligible ?
First-rate insurers
ALLIANZ WORLDWIDE CARE
Medical & assistance
GENERALI
Private civil liability & home insurances

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Innovative ScoreStudies benefits
Freedom to choose your medical providers worldwide except in the USA
ScoreStudies 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 benefits
ScoreStudies 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 rescheduling
The 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 refund
Max. 20 days
Full refund
Max. 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 day
Max. 100 days
CHF 20 per day
Max. 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)
Full refund
Max. 90 days
Full refund
Max. 90 days
Local ambulance Full refund Full refund
Emergency treatment outside area of cover (for trips of a maximum period of 6 weeks) Full refund
Max. 42 days
Full refund
Max. 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 day
Max. 21 days
CHF 10 per day
Max. 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 exam
CHF 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 CONECTED
PP Change your personal details
PP Download your insurance certificate, table
of benefits, and electronic version of your
Membership card
PP Check claims status and amounts
reimbursed
PP Make a payment
PP Retrieve your login details
@
Easy and Fast ! Your claims
JJ 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 !
JJ 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.
JJ 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
300 CHF 30+ 145 CHF 428 CHF 853 CHF 1,688 CHF
Annual Deductible Age Monthly Quarterly Half-yearly Annually
750 CHF 0 - 29 74 CHF 218 CHF 434 CHF 866 CHF
750 CHF 30+ 106 CHF 315 CHF 627 CHF 1,252 CHF
300 CHF 0 - 29 91 CHF 269 CHF 536 CHF 1,071 CHF
300 CHF 30+ 131 CHF 390 CHF 778 CHF 1,553 CHF
Affordable premiums
ScoreStudies ESSENTIAL
Premium for healthcare + assistance benefits
ScoreStudies PREMIUM
Premium for healthcare + assistance benefts
Private civil liability
SS Coverage for personal injury or material damages to a Third Party for up to 3 million Swiss Francs
SS 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.

8. ... 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 ScoreStudies
ScoreStudies
Voie du Chariot, 3
CH - 1003 Lausanne
Tel : + 41 (0) 21 560 56 23
Fax : + 41 (0) 21 560 55 00
Email : contact@scorestudies.ch
www.ScoreStudies.ch ScoreStudies :) ScoreStudies :)