New Arrivals Insurance Checklist

Your comprehensive guide to setting up insurance as a newcomer to Switzerland. Follow our checklist to ensure you meet all requirements and deadlines.

Key Deadlines

Within 14 days of arrival

Register with local authorities

Required for residence permit and insurance setup

Within 3 months of arrival

Obtain health insurance

Mandatory basic insurance coverage required

November 30 (annually)

Insurance switching deadline

Last day to change basic insurance provider for next year

December 31 (annually)

Premium reduction application

Deadline for most cantons' premium reduction applications

Before Arrival Checklist

Research Insurance Options

High

2-3 months before arrival

  • Compare basic insurance providers
  • Understand supplementary insurance options
  • Check cantonal premium differences
  • Review deductible options

Gather Required Documents

High

1-2 months before arrival

  • Residence permit or application confirmation
  • Passport copies
  • Employment contract (if applicable)
  • Previous insurance certificates

Upon Arrival Checklist

Register with Authorities

Urgent

First 2 weeks

  • Register with local commune within 14 days
  • Obtain residence permit
  • Get Swiss address documentation

Set Up Insurance

Urgent

Within 3 months

  • Choose and apply for basic insurance
  • Consider supplementary insurance needs
  • Submit all required documentation
  • Set up premium payments

After Setup Checklist

Additional Considerations

Medium

First 3-6 months

  • Check premium reduction eligibility
  • Set up accident insurance if not employed
  • Consider dental insurance options
  • Review travel insurance needs

Regular Reviews

Medium

Ongoing

  • Annual premium comparison
  • Coverage assessment
  • Update personal information
  • Review supplementary needs

Frequently Asked Questions

When do I need to get health insurance after arriving in Switzerland?
You must obtain health insurance within 3 months of arrival. Coverage is retroactive to your arrival date, ensuring you're protected during the selection period.
What happens if I miss the 3-month deadline?
Missing the deadline can result in being automatically assigned to an insurer by your canton, potentially with higher premiums. You may also face penalties.
Can I use my existing international health insurance?
Generally no. Swiss law requires residents to have Swiss health insurance. Some exceptions exist for temporary residents and cross-border workers.
How do I choose between different insurance models?
Consider factors like premium costs, preferred doctors, and flexibility needs. Standard models offer full choice but cost more, while restricted models (family doctor, telemedicine) offer savings.
What documents do I need to apply for health insurance?
You'll need your residence permit (or application confirmation), passport, Swiss address documentation, and potentially employment contract or study confirmation.

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