HEALTH INSURANCE
Swiss health insurance
Clearly chosen.
Basic insurance, franchise, and insurance models influence your premium. Here are the differences.
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THE SHORT ANSWER
What you should know now.
Basic health insurance is mandatory in Switzerland. Premiums depend on your place of residence, age, and chosen franchise.
Status: July 2026 · General information, no personal legal, tax, or insurance advice.YOUR SITUATION
Bringing the details together correctly.
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
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
Quickly asked.
Clearly answered.
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.
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