Key legal question
Whether the mandatory health insurance had to cover the costs of elective treatment performed in Innsbruck
Extracted holding
No reimbursement was owed because the statutory exceptions for treatment abroad were not met.
Extracted reasoning
The insured intentionally went abroad for surgery; there was no emergency and Switzerland offered a feasible two-stage operation. Personal preference to minimize work absence is not a medical reason, and no substantial medical risks of the Swiss alternative were shown.