Swiss Health Insurance: Key Things to Know

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Master Swiss Insurance as an Expat – Navigate Complex Requirements with Confidence

Moving to Switzerland? Our experts help international residents understand mandatory insurance requirements, find optimal coverage, and save thousands on premiums.

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Swiss Insurance Requirements

Essential Insurance for Expats in Switzerland

Understanding mandatory and recommended insurance types for international residents. Navigate Swiss requirements with confidence and avoid costly mistakes.

MANDATORY

Health Insurance (MANDATORY)

Required by law within 3 months of arrival. Choose from basic insurance (LAMal) plus supplementary coverage for better benefits and private rooms.

Save up to CHF 3,600/year
  • Compare 60+ health insurers
  • Optimize deductible (CHF 300-2,500)
  • Add supplementary insurance
  • Understand LAMal requirements
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Household & Liability Insurance

Personal liability insurance often required by landlords. Household contents insurance protects your belongings against theft, fire, and damage.

Save up to CHF 800/year
  • Personal liability (required by most landlords)
  • Household contents protection
  • Legal protection insurance
  • Bicycle insurance included
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MANDATORY

Motor Vehicle Insurance

Mandatory liability insurance for all vehicles. Add comprehensive coverage for better protection. Swiss motor insurance requirements differ from other countries.

Save up to CHF 1,200/year
  • Mandatory liability insurance
  • Optional comprehensive coverage
  • Bonus-malus system explained
  • International driving permits
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MANDATORY

Pension System (3-Pillar)

Understand Switzerland's unique 3-pillar pension system. Optimize contributions for tax benefits and secure your retirement as an expat.

Tax savings + retirement security
  • Pillar 1: AHV/IV (mandatory)
  • Pillar 2: Occupational benefits
  • Pillar 3a: Tax-optimized savings
  • International pension transfers
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Swiss Insurance System Guide

Understanding Switzerland's Unique Insurance System

Essential knowledge for successful relocation. Learn about mandatory requirements, deadlines, and how to avoid costly mistakes.

Important Deadlines

  • Health insurance: 3 months after arrival
  • Vehicle registration: 14 days after import
  • Residence permit: Register immediately
  • Tax filing: End of March following year

Mandatory Requirements

  • Health insurance (LAMal) - no exceptions
  • Motor vehicle liability (if you own a car)
  • Occupational accident insurance (through employer)
  • AHV/IV contributions (social security)

Cost Expectations

  • Health insurance: CHF 200-800+/month
  • Household insurance: CHF 200-400/year
  • Motor insurance: CHF 800-2000+/year
  • Personal liability: CHF 100-200/year

Key Differences

  • No free healthcare - everyone pays premiums
  • Health insurance independent of employment
  • 3-pillar pension system (unique to Switzerland)
  • Cantonal premium differences up to 50%

Important Notice for International Residents

International health insurance policies do NOT fulfill Swiss mandatory requirements. You must register with a Swiss health insurer within 3 months of arrival, even if you maintain international coverage. Late registration results in backdated premiums and penalties.

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We've successfully guided over 15,000 international residents through Swiss insurance requirements, saving millions in unnecessary costs

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15+ years specializing in international relocations to Switzerland. We understand the unique challenges expats face and navigate complex requirements seamlessly.

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We work exclusively for you, not insurance companies. Our multi-lingual team provides unbiased recommendations tailored to international residents.

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Our expat clients save an average of CHF 3,600 annually. We optimize everything from health insurance to pension planning for maximum value.

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Complete support from arrival to settlement. We ensure you meet all deadlines, avoid penalties, and maintain optimal coverage as your situation evolves.

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Expat Benefits

Why Choose Our Expat Insurance Service

We make Swiss insurance requirements simple for international residents. Save time, money, and avoid costly mistakes when relocating to Switzerland.

Save up to CHF 3,600 Annually

Our expat clients save an average of CHF 3,600 per year by choosing optimal health insurance, deductibles, and coverage options tailored for international residents.

Save 20+ Hours of Research

Skip the overwhelming research and confusion. We handle all comparisons, paperwork, and negotiations so you can focus on settling into your new life in Switzerland.

Avoid Expensive Mistakes

Late registration, wrong coverage, or missing deadlines cost thousands in penalties. Our expertise ensures you meet all requirements correctly from day one.

Better Coverage for Less

We find premium health insurers, optimal deductibles, and supplementary coverage that often costs less than basic options other brokers recommend.

Multi-Language Expert Support

Our expat specialists speak your language and understand international relocations. Get support in English, German, French, and more.

Simple 3-Step Process

1) Free consultation to understand your needs 2) We find and compare all options 3) Easy setup with ongoing support. It's that simple.

It's That Simple – Just 3 Steps

From analysis to optimization – we make it as easy as possible for you

1

Free Analysis

We analyze your existing insurance and identify savings potential

2

Personal Consultation

We discuss your needs and create tailored recommendations

3

Implementation & Savings

We handle the switch and you immediately benefit from the savings

Expat Success Stories

Real Results from International Residents

See how we've helped expats from around the world navigate Swiss insurance requirements and save money

Saved: CHF 2,800/year

"Moving from the US to Zurich was overwhelming, especially the insurance requirements. InfoMove explained everything clearly and saved me CHF 2,800 annually while ensuring I met all Swiss requirements."

Jennifer Martinez

Jennifer Martinez

American expat in Zürich

Saved: CHF 3,200/year + tax savings

"As a British expat, I was confused about the 3-pillar pension system and health insurance options. Their expertise saved me from costly mistakes and optimized my long-term financial planning."

James Thompson

James Thompson

British expat in Geneva

Saved: CHF 1,600/year

"They helped me understand cross-border worker insurance options and transferred my EU no-claims bonus. Professional service that saved time and money."

Marie Dubois

Marie Dubois

French cross-border worker

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Insurance FAQ for Expats

Everything You Need to Know About Swiss Insurance

Common questions answered for expats moving to Switzerland. Get clarity on requirements, deadlines, costs, and how the Swiss system works.

Health insurance (LAMal) is mandatory within 3 months of arrival. Motor vehicle liability insurance is required if you own a car. Personal liability insurance, while not legally required, is often mandatory for rental agreements. We help you understand all requirements and find the best coverage.
Health insurance premiums range from CHF 200-800+ per month depending on canton, insurer, and deductible. Our clients save an average of CHF 3,600 annually by choosing optimal insurers and deductibles. We compare all 60+ Swiss health insurers to find your best option.
You must register for health insurance within 3 months of arrival or registration with authorities. Late registration results in backdated premiums and potential penalties. We ensure you meet all deadlines and avoid costly mistakes.
Switzerland has mandatory basic insurance (LAMal) with standardized benefits, plus optional supplementary insurance for extras. You can choose any approved insurer regardless of pre-existing conditions. Premiums vary by canton and insurer, not your health status.
No, international insurance doesn't fulfill Swiss mandatory requirements. You must have Swiss health insurance even if you maintain international coverage. However, some international policies can supplement Swiss basic insurance.
Switzerland has social security agreements with many countries. Your home country contributions may count toward Swiss benefits. The 3-pillar system (AHV, pension fund, private savings) requires careful planning for optimal retirement benefits and tax advantages.
Cross-border workers have special rules and can often choose between Swiss and EU health insurance. Motor insurance, liability, and other requirements still apply. We specialize in cross-border worker insurance optimization.
Most countries have agreements allowing transfer of no-claims bonuses to Swiss motor insurance. We help you document your claims history and ensure you receive appropriate discounts with Swiss insurers.

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