How health insurance works
A compulsory insurance system run by private insurers and framed by federal law: the same basic benefits everywhere, free choice of insurer, a monthly premium per head and cost-sharing.
Good to know
- Everyone living in Switzerland must take out insurance within three months of arrival, children included; cover is individual, there is no family policy, and the insurer cannot refuse anyone or impose exclusions or waiting periods. Source
- All insurers offer exactly the same basic benefits, only the premiums differ; the standard model leaves you free to choose your doctor, the cheaper models require a first point of contact (family practice, telemedicine, pharmacy) before a specialist. Source
- You first pay the annual deductible you have chosen, then a 10% co-payment on costs up to a yearly cap, plus a daily hospital contribution; a higher deductible means a lower premium. Source
- Households on modest incomes can apply to their municipality for a premium reduction; switching insurer is done at the end of the year, once the new premiums are published. Source
- Supplementary insurance (private room, alternative medicine, glasses, children's dental care) is optional and insurers can refuse it: take it out on arrival, while the whole family is in good health.