Health insurance is compulsory. Any person domiciled in Switzerland within three months of taking up residence must have health insurance coverage. It provides for treatment in case of illness, accident (in case treatment is not borne by another accident insurance) or pregnancy. Health insurance covers also the costs of medical treatment and hospitalization of the person insured who contributes by paying annually a “franchise” from a minimum of around 300 CHF to around 2'500 CHF and by a contribution of 10% of the costs over and above the franchise. There is no charge in case of pregnancy. For hospitalization, a contribution is made for room and care costs.
The compulsory insurance can be supplemented by complementary insurance policies which reimburse some treatments not covered by the basic insurance (for example, dental treatment, natural care, psychological treatments, etc.) or to improve room and care standard in case of hospitalization.
Health insurance premiums
Insurance premiums vary according to the insurance companies, the level of franchise, the place of residence of the insured person and the degree of supplementary benefit coverage (dental care, private ward hospitalization, etc).
The Health Care system in Switzerland: public or private ?
The Swiss healthcare system is a combination of a public, semi-private and totally private system. The insured person can chose the treatment provider as long as the costs are covered by the insurance.
How to select your health insurance company ?
As health insurance is compulsory, insurance companies are obliged to ensure all persons regardless of age, sex and health condition. People are also free to select their insurance company.
More information on health insurance in Switzerland
To make personal simulations
