Swiss health insurance in easy steps
Which health insurance do you need?
Mandatory basic health insurance
This insurance is compulsory for all residents in Switzerland. This is a social service you must arrange, where you can choose from options like telemedicine, choice of doctor and the deductible level («Franchise» in Switzerland).
All insurance companies cover the same services for the basic health insurance but they differ in the level of service.
Supplementary health insurance
This insurance is optional with the advantage that you can cover services in specific areas that are important for you and the basic health insurance doesn’t cover. Here you can choose between options like
- hospital stay in a private room, treatment in hospital by the chief doctor, medical costs abroad
- dental care, including orthodontic treatment for children, glasses and contact lenses
- complementary medicine:
acupuncture, osteopathy, homeopathy
- and even massage and fitness centre costs!
Deadlines, premium calculation and costs covered
- You need to sign up for mandatory basic Swiss health insurance within 3 months of registering in the country.
- Babies need to be insured from day of birth but it’s recommended you do it before that.
- Health insurance costs are calculated based on town of residence, age, options chosen and the deductible level.
- There are different levels of deductible. The deductible is the amount you need to pay for your treatment each year. Once your health costs reach this amount, the health insurance pays for the additional costs with the exception of 10%. This retention fee of 10% cannot be higher than CHF 700 for adults and CHF 300 for children per year.
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