HEALTH INSURANCE
Swiss health insurance
Clearly chosen.
Basic insurance, franchise, and insurance models influence your premium. Here are the differences.
Check situation free of charge →
THE SHORT ANSWER
KVG Basic Insurance & Deductibles at a Glance.
Basic health insurance is mandatory in Switzerland. Premiums depend on your place of residence, age, and chosen franchise.
Status: October 2026 · General information, no personal legal, tax, or insurance advice.YOUR SITUATION
Combine Premium, Model & Franchise Wisely.
The basic insurance offers legally defined benefits, but premiums, service models, and franchises differ. The key is not just the cheapest monthly premium, but your expected health needs and financial reserve.
- ✓KVG Basic Insurance
- ✓Franchise Selection (300-2500)
- ✓Alternative Models (HMO, Telmed)
- ✓Accident Coverage
OUR PROCESS
Choose Your Swiss Health Insurance in 3 Steps.
Understand Needs
Consider health usage, family, employer, and desired flexibility.
Compare Models
Evaluate premium, franchise, insurance model, and service as a package.
Register Properly
Conclude on time and coordinate accident coverage and foreign contracts.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions about
Swiss health insurance.
Is health insurance compulsory in Switzerland?+
For persons residing in Switzerland, basic insurance is generally mandatory. Cross-border commuters and special groups can have election or exemption options.
Which franchise makes sense?+
This depends on expected health costs and reserves. The lowest (CHF 300) or highest (CHF 2'500) franchises are usually most economical; an individual calculation makes sense.
Are basic insurance benefits identical?+
The legal benefit catalog is identical. Differences exist in premiums, service models, administrative efficiency, customer support, and voluntary supplementary offers.
Personal Support
Have your situation reviewed individually and free of charge. We help you with all administrative steps for your start in Switzerland.
Detailed Guide
Read all legal details, deadlines, required documents, and common pitfalls in our comprehensive guide.
Ready for your next step?