Compulsory health insurance is mandatory for all residents of Switzerland. Upon your arrival, you have a three-month grace period to take out a basic health insurance policy before you are asked to show proof that you are covered. This grace period gives you time to decide on the insurer and the policy that is a perfect fit for you and your family.
What does compulsory health insurance cover?
Your compulsory policy covers the treatment expenses in case of illness, accidents, and maternity-related costs. Some of the most common coverages include, but are not limited to:
- Visits to a doctor
- Visits to a specialist (if you have a recommendation from your doctor)
- Hospital stays (this applies to hospitals in your canton of residence, as well as hospitals across Switzerland in case of medical emergency)
- Visits to a psychiatrist or a psychologist (once your doctor recommends it)
- Dental emergencies that can affect your overall health (such as serious infections or dental damage caused by an illness)
How much does basic compulsory insurance policy cost?
The amount of money you have to set aside for your insurance policy depends on the premiums, deductible, and a retention fee.
- The premiums you need to pay every month differ greatly because they depend on the insurer you have chosen, as well as your place of residence. Children are entitled to lower premiums than adults. Also, people who are struggling financially and have low income might have their premium reduced.
- The deductible (or the franchise) is the amount of money you are required to pay towards your treatment costs on a yearly basis. This amount is different for children and adults – children have to pay from 0 to 600 CHF, whereas the costs for adults go from 300 to 2,500 CHF.
- Retention fee amounts for ten percent of each treatment cost. It adds up to 700 francs for adults, and 350 francs for children.
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