Health Insurance Guide
Navigate Switzerland's mandatory health insurance system
Important: Mandatory Coverage
Health insurance is mandatory for all residents in Switzerland. You must obtain coverage within 3 months of your arrival or face penalties. The Swiss healthcare system is excellent but expensive, making proper insurance essential.
Basic insurance (LAMal) covers essential medical services, while complementary insurance can provide additional benefits like private room coverage and alternative medicine.
Step-by-Step Process
Understand the Requirement
Health insurance is mandatory for all residents in Switzerland within 3 months of arrival.
Before arrivalChoose Your Insurance Model
Select between standard, HMO, or family doctor models based on your needs.
Within 30 daysCompare Premiums
Use the official premium comparison tool to find the best rates in your canton.
Within 60 daysApply for Insurance
Submit your application directly to your chosen insurance provider.
Within 90 daysApply for Premium Reduction
Check if you qualify for premium subsidies based on your income.
After registrationKey Terms to Know
Official Resources
Premium Comparison Tool
Official government tool to compare health insurance premiums across all providers in your canton.
Federal Health Office
Official information about Swiss health insurance law, requirements, and your rights.
Quick Checklist
- Registered with local authorities (Anmeldung)
- Researched insurance models and providers
- Compared premiums using official tool
- Chosen appropriate franchise level
- Applied for insurance within 90 days
- Applied for premium reduction if eligible
Next Steps
Once you have health insurance sorted, focus on opening a Swiss bank account to manage your finances.
Banking Guide →Insurance Models Comparison
Choose Your Coverage Model
Different models offer varying levels of flexibility and cost savings
| Model | Description | Premium Savings | Best For |
|---|---|---|---|
| Standard Model | Free choice of doctors and specialists | None (Base price) | Maximum flexibility |
| Family Doctor Model | First contact must be with your chosen family doctor | 5-10% discount | Consistent care needs |
| HMO Model | Treatment at specific health centers only | 10-20% discount | Urban residents seeking savings |
| Telmed Model | Initial consultation by phone/video before seeing doctor | 10-15% discount | Tech-savvy individuals |
Expert Recommendations
For New Arrivals
- Start with standard model for flexibility while you settle
- Choose mid-range franchise (CHF 1000-1500) to balance premiums and risk
- Check if your employer has group discounts with specific providers
For Cost Optimization
- Consider highest franchise (CHF 2500) if you're generally healthy
- HMO or Telmed models offer significant premium reductions
- Check eligibility for cantonal premium subsidies based on income