Living in Switzerland – Information and counselling online  

Basic Health Insurance

Compulsory basic health insurance means that all people living in Switzerland can access full medical care and appropriate treatment in their local canton. 94 private insurance companies are authorized to offer basic compulsory health insurance. 

 

Who must be insured?

Any person living in Switzerland, whatever his nationality or residency status, must take out basic health insurance. Each member of a family, adults and children, must be insured individually.

 

Please note
Parents have 3 months to insure a newborn child. Beyond this deadline, they may have to pay extra charges and any medical costs will not be refunded.

 

The following rules apply particularly to migrants:

  • You must take out health insurance within 3 months of arrival in Switzerland.
  • For a stay of less than 3 months in Switzerland you should check that your own insurance is equivalent to Swiss health cover. If not, you must take out insurance in Switzerland. 
  • Swiss and EU citizens working in Switzerland and resident in an EU state: You must take out health insurance in Switzerland for all your family. Please note: Some EU countries have special arrangements with Switzerland. 
  • Swiss and EU citizens resident in an EU state and receiving a pension or disability allowance from Switzerland: You must take out health insurance in Switzerland for all your family. Please note: Some EU countries have special arrangements with Switzerland. 

 

Rules applying to EU citizens also apply to nationals of EFTA states (Norway and Iceland). They do not apply to Bulgarian or Romanian nationals.

 
Please note
In case of dispute with your health insurer, you can contact the Health Insurance Mediation Office. 

 

In this section: Choose your health insurance company, Optional complementary insurance, Health care cover, Changing your health insurer, Financial help with health insurance premiums, Saving on health insurance

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