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The health insurance system in Switzerland
The health insurance system in Switzerland comprises mandatory basic health insurance and a wide range of supplemental insurance products. Find the deal that works for you at comparis.ch.
Basic health insurance
Basic health insurance
Basic health insurance is compulsory for anyone residing in Switzerland. Basic insurance cover is precisely defined in the Health Insurance Act (KVG) and is the same irrespective of health insurer. Health insurance providers are obliged to accept every applicant for basic insurance.
Unlike with basic insurance, supplemental insurance cover varies from insurer to insurer. So it's well worth comparing. With supplemental insurance, insurers are free to set the premiums according to risk, i.e. depending on age and gender. They may also impose provisos or turn down applicants without giving a reason.
Basic health insurance is compulsory for anyone residing in Switzerland. After moving here, you have three months in which to take out mandatory health insurance. Learn more about the process here, and find the health insurer that’s right for you.
It's worth applying for insurance before your baby is born, as most supplemental insurance policies can be taken out for babies without a health check. After the baby is born, you have three months in which to find a health insurer. Organising these administrative matters in advance means you will have more time to enjoy your baby after the birth. You can also rest assured that cover is in place if your child is born with a medical condition.
Which model is suitable for you? What is more important – keeping premiums low or ensuring good cover for potentially high medical costs? Do you want to be able to choose your doctor in each case or do you prefer to go straight to your GP or family doctor? We are happy to provide the information you need to help you in your search.
Register now to be notified when the new premiums are available in the health insurance comparison. You will then be able to see at a glance how much you can personally save. Register now
Cover provided by mandatory basic insurance
All health insurance companies provide the same cover because they are required to do so by law. Find out whether this is sufficient for your needs or whether you require supplemental insurance as well. Overview of benefits
How do I switch my basic insurance?
In Switzerland, you can switch to a different health insurance deal once you have cancelled your existing policy. You can cancel basic insurance every year by the end of November. Learn more
Health insurance companies provide the same cover because they are required to do so by law. However, savings can still be made by opting for one of the alternative models on offer. Identify potential savings
What is a deductible ("franchise")?
Many healthy policyholders aren't brave enough to choose the highest deductible of 2,500 francs. But even if you need to see a doctor now and then, this high deductible is still a financially viable option. Find out more about the deductible
Best health insurers in Switzerland
Does your health insurer skimp on service? How satisfied are other policyholders with the service provided by their health insurer? Compare customer satisfaction ratings now. Find the best health insurer
What to watch out for with accident insurance
If you add accident cover to your mandatory basic health insurance, your treatment costs are covered in the event of accident as well as illness. Learn more
Health insurance FAQs
Check out this list of the most frequently asked questions on the subject of health insurance and switching policies. See health insurance FAQs
The costs for children's glasses and contact lenses will once again be covered by basic insurance. This reverses, in part, the decision taken at the end of 2010 to remove visual aids from the catalogue of benefits.