MiGeL-Liste Schweiz: Mittel- und Gegenständeliste des BAG

The MiGeL (List of Means and Objects) is a list maintained by the Federal Office of Public Health (FOPH) that includes all medical aids and objects whose costs are covered by the compulsory health insurance (OKP). The MiGeL is part of the Health Insurance Act (KVG) and forms the basis for which products the health insurer pays for.

For each listed product, the MiGeL sets a maximum reimbursement amount (HVB). This means: the health insurer covers costs up to this maximum amount. If the chosen product is more expensive, you must pay the difference yourself.

The MiGeL is regularly updated and adapted to new medical findings and products. It is thus a central instrument for managing costs in the Swiss healthcare system.

The MiGeL list covers a wide range of medical aids and objects, divided into various categories:

• Incontinence products: Pads, liners, incontinence pants, and bed protection pads for people with bladder or bowel weakness
• Compression stockings and bandages: Medical compression stockings for venous disorders, lymphoedema, or after surgery
• Blood glucose meters and accessories: Test strips, lancets, and meters for diabetes patients
• Inhalation devices: Nebulisers and inhalers for respiratory conditions such as asthma or COPD
• Dressing materials: Sterile wound dressings, compresses, plasters, and fixation material for wound care
• Walking aids: Walking sticks, walkers, and crutches for mobility support
• Care beds and accessories: Electric care beds, anti-decubitus mattresses, and bed rails
• Prostheses and orthoses: Aids for replacing or supporting body parts

For the health insurer to cover the costs of a MiGeL product, the following requirements must be met:

• Medical prescription: In most cases, you need a prescription from your doctor
• Product is listed in the MiGeL: Only products listed in the current MiGeL are reimbursed
• Maximum reimbursement amount (HVB): The health insurer pays a maximum of the set HVB. If you choose a more expensive product, you bear the difference yourself

Also note the co-payment: you usually pay 10% of the costs yourself (maximum CHF 700 per year) plus the annual deductible. For certain products, the co-payment may differ.

Tip: Before purchasing, ask your health insurer whether the desired product is reimbursed and how much they will cover. This way you avoid unexpected expenses.

The current MiGeL list is published by the Federal Office of Public Health (FOPH) and can be viewed online. It is regularly revised and adapted to new products and changed prices.

You can find the MiGeL on the official FOPH website as a PDF document for download. The list is divided into various product groups and positions and contains the maximum reimbursement amount, validity period, and any restrictions for each product.

Important: Always check that you are using the most current version of the MiGeL. The list may change during the year when new products are added or existing positions are adjusted.

For people who are cared for at home, the MiGeL is particularly relevant. Many of the required aids and care items are listed and co-financed by the health insurer. This includes incontinence materials, dressing materials, care beds, or anti-decubitus mattresses.

If you care for a family member at home, you should inform yourself about MiGeL benefits early on. This way you can ensure that all necessary aids are financed and that home care is organised as well as possible.

Your family doctor or Spitex can help you identify the right MiGeL products and issue the necessary prescriptions.