Compulsory Health Insurance

Understanding mandatory health insurance in Switzerland: your three-month window to secure coverage and ensure compliance with Swiss law.

What's Covered

Medical Care

  • Doctor visits
  • Specialist consultations (with referral)
  • Hospital stays in your canton
  • Emergency hospital care across Switzerland
  • Psychiatric/psychological care (with referral)

Maternity Care

  • Pregnancy check-ups
  • Childbirth costs
  • Postnatal care
  • Breastfeeding advice
  • Required screenings

Emergency Care

  • Emergency treatments
  • Ambulance services
  • Rescue operations
  • Emergency dental care
  • Urgent care abroad

Understanding Costs

Monthly Premiums

Vary by insurer and canton of residence. Lower income individuals may qualify for premium reductions.

Annual Deductible

Ranges from 300 to 2,500 CHF for adults. Children have lower or no deductibles.

Retention Fee

10% of costs above deductible, up to 700 CHF for adults and 350 CHF for children.

Three Month Grace Period

Upon arrival in Switzerland, you have a three-month grace period to:

  • Research and compare insurance providers
  • Choose your preferred insurance model
  • Set up your basic health insurance policy

Important: Coverage is retroactive to your arrival date, ensuring you're protected during the selection period.

Coverage for Newborns

Parents must arrange health insurance for their newborn within three months of birth. Key points:

  • Free choice of insurance provider for your baby
  • Option to add supplementary insurance if desired
  • Coverage is retroactive to the date of birth

Need help setting up your insurance?

Get expert guidance to find the right coverage