How to Get Health Insurance in Switzerland: A Guide for Expats (2025)
How to Get Health Insurance in Switzerland: A Guide for Expats (2025)
Moving to Switzerland comes with many exciting opportunities, but one of the first things every expat needs to sort out is health insurance. Switzerland has a unique healthcare system, and understanding it is crucial to avoid fines and ensure quality care.
How the Swiss Health Insurance System Works
Switzerland operates on a mandatory health insurance model. Everyone residing in the country is legally required to have basic health insurance (Grundversicherung in German) within 3 months of registering residency.
Unlike many countries, health insurance in Switzerland is not provided by the government. Instead, you choose from private insurance providers regulated by the government.
Mandatory vs. Supplemental Insurance
- Mandatory (Basic) Insurance: Covers essential medical services like doctor visits, hospitalization in a shared room, and emergency care.
- Supplemental (Private) Insurance: Adds benefits like private hospital rooms, alternative medicine, dental, or global coverage.
Supplemental insurance is optional but popular, especially among expats who want more flexibility and comfort.
Best Insurance Companies for Expats (2025)
Here are some popular and expat-friendly providers:
- CSS Insurance – Known for bilingual customer support and comprehensive digital tools.
- Helsana – Offers a wide network of doctors and facilities.
- Sanitas – Great for digital nomads and expats with international coverage options.
- Swica – High customer satisfaction and great preventive care programs.
It’s smart to compare offers on platforms like Comparis.ch or Priminfo.admin.ch.
How to Apply – Step-by-Step Guide
- Register your address at the local municipal office.
- Research insurance providers and request quotes.
- Choose your deductible (called “Franchise”) – usually between CHF 300 and CHF 2,500.
- Apply online or via an agent – most providers offer quick digital applications.
- Receive confirmation and insurance card by post.
Note: If you fail to register within 3 months, the authorities may assign you an insurer (often with higher premiums).
Average Costs & Money-Saving Tips
- Average monthly premium (adult): CHF 250 – 450
- Lower premiums in rural areas
- Higher deductibles = lower premiums
- Choose a Telmed or HMO model for cheaper rates
Tip: Pay annually instead of monthly to get a discount.
Common Mistakes to Avoid
- Waiting too long to sign up
- Ignoring deductible options
- Not checking if your doctor is in-network
- Over-insuring with unnecessary supplemental plans
FAQ – Frequently Asked Questions
Q: Can I switch insurance providers later?
Yes, you can switch annually for basic insurance – the deadline is November 30th each year.
Q: Is dental care included in basic insurance?
No. Dental is only covered if it results from an accident or a serious illness.
Q: What if I leave Switzerland?
Once deregistered, your insurance contract ends automatically.
Final Thoughts
Getting health insurance in Switzerland is essential for your legal status and peace of mind. Take the time to compare providers, understand your coverage, and make smart choices based on your personal needs. With the right insurance in place, you can enjoy all the beauty and opportunity Switzerland has to offer without worry.
Need help comparing insurance plans? Check out trusted Swiss platforms like comparis.ch or priminfo.admin.ch.
