Mandatory health insurance

Overview

It is mandatory to be covered by a Swiss health insurance when living in Switzerland.

Within 3 months of your arrival in Switzerland, you will be asked to provide proof that you have health insurance coverage.

Health insurance is normally obtained from a private insurance company.

 
 
Checklist
 
  • Understand the Swiss health insurance system
  • Request quotes from health insurance providers
  • Select and notify your preferred health insurance provider
  • Receive health insurance card

Need to know

  • Swiss healthcare basic coverage: by law, this covers the majority of the basic medical costs resulting from an illness. It is compulsory to have this basic coverage. Depending on your health situation or individual needs, additional options may be required
  • Additional insurance: additional coverage for more specific treatment or access to a wider range of private healthcare services
  • Accident insurance: coverage of treatment costs resulting from an accident. Usually, accident insurance is covered by one‘s employer. If you are not employed, you are required to take out accident insurance in the form of supplementary health insurance
  • Deadlines: You will only be able to change your health insurance provider once a year (30 November of next year), provided you give one month notice. 

How to proceed

Step 1: Discuss with your employer whether there are options that can be taken out through a corporate agreement that may exist and that may be a benefit provided to all employees

Step 2: Assess your situation and that of your entire family to ensure that you are adequately covered both in the event of illness and accident

During your selection process these are a few questions to consider:

  • How long will it take for hospitalisation coverage to begin? What is the coverage limited to?
  • Is all prescribed medication covered up to 90% of the costs, or are there restrictions?
  • Is there a deductible (excess)?
  • Is prescribed treatment at a spa or wellness centre included in coverage?
  • Are there restrictions on hospitalisation outside the canton of residence?
  • What is covered whilst travelling abroad?
  • Are emergency ambulance costs covered?
  • Is a cash sum payable in the event of death?
  • Which costs are covered for dental care due to an accident?
  • Are extra charges likely to be incurred? If so, what are they?
  • What costs are included for spectacles and contact lenses?
  • Is there a waiting period for special care, maternity or other?
  • What specific treatments does this policy exclude?

Step 3: Once you have taken out the insurance policies that you and your family need, be sure to you inform your local authority by sending them a certificate of attestation

Expected timeframe

  • You have 3 months following your registration at your local town hall to send an attestation of insurance to your local authorities
     
  • You should ensure you are covered in Switzerland before you cancel your insurance policy abroad

Where to find help

We strongly recommend you contact an insurance specialist to guide you through your selection process and to tailor the right health coverage for your family.

There are a wide range of insurance providers in Switzerland.

What coverage is right for you? Where can you get advice in English?

If you are looking to better understand the Swiss health care system and select the best insurance for your needs, contact a professional insurance advisor from EGK-Gesundheitskasse.

If you are looking for a comprehensive insurance package follow the link below.

Complete support with insurance needs

Daniel Ahmeti and his team of professional insurance advisers at Helvetia are here to offer comprehensive insurance advice tailored to the needs of international people living in Switzerland.

 

How much does it cost

  • The costs depend on the level of coverage; the basic cover is approximately CHF 380 per month for an adult and CHF 90 for a child. However, additional coverage is usually recommended and therefore the premium varies depending on the additional coverage chosen
     
  • The insured person must also pay part of the cost of treatment, ranging from CHF 300 to a maximum of CHF 2,500 depending on the policy
 
 

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