Health Insurance: Everything you need to know

Anyone who becomes subject to insurance in Switzerland must generally take out basic insurance within three months. The legal catalog of benefits is the same for all insurers. However, premiums, service models, franchises, and administrative processes differ.

Cross-border commuters and certain other groups of people may have different choice or exemption rights. Therefore, first check which insurance obligation applies to your situation.

• Place of residence and premium region: Premiums vary depending on the region.
• Franchise: A higher franchise usually lowers the premium but increases the amount you pay yourself for treatments at first.
• Insurance model: Standard, GP, HMO, and Telmed models have different rules for the first point of contact.
• Accident coverage: If you are sufficiently insured against accidents through your employer, you can exclude this coverage from the basic insurance under certain conditions.

You pay treatment costs yourself up to the chosen annual franchise. After that, a statutory deductible usually applies. Which choice makes financial sense depends on the premium difference, expected health costs, and your reserve. The calculator above is therefore only a simplified model and not a personal recommendation.

Supplementary insurance is voluntary and not subject to the same obligation to admit as basic insurance. An insurer may ask health questions, exclude conditions, or reject an application. Do not cancel existing supplementary insurance until new coverage is confirmed in writing.

1. Check insurance obligation and possible exceptions.
2. Compare premium region, franchise, model, and accident coverage.
3. Evaluate conditions of voluntary supplementary insurance separately.
4. Submit application and proofs within the applicable deadline.

Use the official premium calculator linked below this page for current premiums.