Since Jan. 1, 1996, basic health insurance has been compulsory for all persons living in Switzerland. Basic insurance benefits are determined by health insurance laws . They apply to all health insurance companies. The insurers must admit all applicants wishing to join their basic health insurance programme. (= complete mobility). Basic health insurance covers the risks of "illness" and "accident". Anyone who is already insured by his employer against accidents may cancel accident coverage.
Basic health insurance only covers benefits, which take place in the policyholder's canton of residence. An exception to the rule: Should the policyholder need urgent medical treatment which cannot be carried out in the canton of residence (e.g. complex operations such as organ transplants, etc.) or if he/she needs emergency treatment in a different canton, the resulting costs will be covered. This also applies for temporary visits abroad.
Premiums for basic health insurance differ according to the policyholder's age and place of residence.
- Children (under 18 years of age)
- young adults (19 to 25 years of age)
- and adults. From the benefits provided by basic health insurance, the policyholder must pay the so-called deductible rate and 10% retention.
Please note: Benefits for maternity are not subject to deductible rates and retention!
