The compulsory basic insurance Coverage Premiums Contribution to costs Procedure when entering Switzerland Compare premiums Further information The optional supplementary insurances Coverage Outpatient supplementary insurances Hospital insurances Premiums Contribution to costs Procedure when admitting Further informationThe compulsory basic insuranceCoverage
The basic insurance is compulsory for all persons with residence in Switzerland and covers all
basic health benefits. The basic insurance exclusively covers the services that are effected in the
canton of residence of the insuree.
Exception: Services that are effected in another canton due to medicinal urgencies or in cases of emergency.Premiums
Except for certain cases, dental treatments are not covered by the basic insurance.
The benefits of the basic insurance are covered by private health insurances and are identical with all
health insurance companies, as they are strictly defined through the Health Insurance Laws
The premium depends on the place of residence, the age of the insuree and the health insurance company, even though the
benefits of all insurance companies are identical. The sex does not influence the premium for the
basic insurance. The Health Insurance Laws (KVG) oblige the health insurance companies to take every applicant,
independent of their age and state health. Therefore, everybody can take out an insurance with the company of their
choice. In Switzerland premiums are based on a per capita system; therefore,
a family of four pays two premiums for adults and two for children.
Compare health insurance premiumsContribution to costs
The insuree pays the premium and has to contribute to the medical costs with the
and with a retention
.Procedure when entering Switzerland
After entering Switzerland and registering at the immigration office you have 3 months time
take out the compulsory health insurance. When registering within this period you are covered
from the date of your settling.
Premiums have to be paid retroactively for this date. Also for the started months the whole monthly
premium has to be paid.
If you miss this date, the coverage is only valid from the date of accedence.
Furthermore, a fee is charged for the delayed accedence.Further information Benefit overview Complete mobility Contribution to costs Accident Insurance modelsOptional supplementary insurance products
The benefits of supplementary insurance products vary from health insurance company to health insurance company.
They can be split into the categories "outpatient supplementary insurace products" and "hospital supplementary insurance products".
Die outpatient supplementary insurance products
e.g. cover benefits for alternative
medication not covered by basic health insurance
, glasses and contact lenses, dental treatments etc.
The benefits are generally limited to a maximum amount per calendar year.
Die hospital supplementary insurance products
cover inpatient benefits:
- The supplementary insurance general ward for within all of Switzerland provides the
insurees the right to be treated in the general ward of hospitals outside
the canton of residence as well.(The basic insurance only covers costs for the treatment
in the general ward within the canton of residence. Exceptions from this regulations are only
those cases in which a treatment outside the canton of residence is medically urgently necessary.)
- The supplementary insurance semi-private ward within all of Switzerland provides the insuree
with the right to a two-bed room. In public hospitals, treatment of semi-privately insured patients
is generally performed by a senior physician.
- The supplementary insurance private ward within all of Switzerland provides the insuree
with the right to a single room. In public hospitals, treatment of privately insured patients is generally
performed by a chief physician.
The premium depends on the benefits, the place of residence, age and sex of the insuree as
well as on the health insurance company. In Switzerland premiums are based on a per capita system; therefore,
a family of four pays two premiums for adults and two for children. Compare health insurance premiumsContribution to costs
The insuree pays the premium and also has to contribute to the medical costs with the
deductible rate (contribution to costs)
which depends on the health insurance company.Procedure when admitting
Supplementary insurances are optional.
When working on applications for a supplementary insurance, the health insurance companies
are allowed to ask questions regarding the medicinal state of the person applying.
Depending on this questionary the health insurance companies are allowed to express an objection
limited or unlimited in time if they regard the applicant as a disadvantageous risk regarding
their medical state. This means that the insuree is not entitled to benefits for treatment of this
particular illness. The health insurance companies can also reject applications without explanatory
For the supplementary insurances the insurance companies also have the right to object later on,
if it turns out that somebody has given false or incomplete information when
making the insurance application.
Further information Description of categories for supplementary insurance products Admission into health insurance Insurance application Objections Qualifying period