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Basic Health Insurance in Switzerland: Your Complete Guide
Understanding KVG/LAMal insurance: Coverage, requirements, and everything you need to know about Switzerland's mandatory health insurance system.
What is Basic Health Insurance (KVG/LAMal)?
Basic health insurance (KVG in German, LAMal in French) is the foundation of Switzerland's healthcare system. Mandatory for all residents, it ensures everyone has access to high-quality medical care, regardless of age, health status, or financial situation.
Key Features
- Mandatory for all residents
- Standardized coverage across providers
- No discrimination allowed
- Regulated by federal law
Legal Framework
- Based on the Federal Health Insurance Act
- Overseen by FINMA
- Regular government review
- Cantonal implementation
What Does Basic Insurance Cover?
Medical Treatment
Outpatient Care
- Doctor visits
- Specialist consultations
- Basic dental emergencies
Hospital Care
- General ward stays
- Emergency treatment
- Rehabilitation
Preventive Care
Regular Check-ups
- Vaccinations
- Cancer screenings
- Gynecological exams
Children's Health
- Development checks
- Vaccinations
- School check-ups
Additional Coverage
Maternity Care
- Check-ups during pregnancy
- Childbirth and postnatal care
- Breastfeeding advice
Mental Health
- Psychiatric treatment
- Psychotherapy (prescribed)
- Day clinic programs
Understanding Deductibles (Franchise)
Available Deductible Levels
| Deductible (CHF) | Premium Reduction | Best For |
|---|---|---|
| 300 | None (Standard) | Regular medical needs |
| 500 | Up to 8% | Moderate savings |
| 1000 | Up to 16% | Higher savings potential |
| 1500 | Up to 24% | Healthy individuals |
| 2000 | Up to 32% | Minimal medical needs |
| 2500 | Up to 40% | Maximum savings |
How Deductibles Work
- Annual Reset: Deductible resets every January 1st
- Your Responsibility: You pay all medical costs up to your chosen deductible
- After Deductible: Insurance covers 90% of costs (you pay 10% up to 700 CHF)
Choosing Your Deductible
- Low Deductible (300-500 CHF): For regular medical needs
- Medium Deductible (1000-1500 CHF): Balance between risk and savings
- High Deductible (2000-2500 CHF): For healthy individuals seeking savings
Understanding Co-payments
Co-payment Basics
- Rate: 10% of costs after deductible
- Annual Cap: 700 CHF for adults, 350 CHF for children
- Maternity Exception: No co-payment for pregnancy-related care
Managing Co-payments
- Track Expenses: Keep all medical receipts
- Plan Ahead: Budget for potential medical expenses
- Check Statements: Review insurance statements regularly
Registration Requirements for Expats
Key Deadlines
- 3-Month Window: Must register within 3 months of arrival
- Retroactive Coverage: Insurance valid from arrival date
- Late Registration: Canton may assign provider at higher cost
Required Documents
- Residence permit or visa
- Passport or ID
- Swiss address proof
- Bank account details
Special Cases
- Cross-border workers
- Students with existing coverage
- Posted workers
- Diplomatic status
Choosing Your Insurance Provider
Selection Criteria
Premium Factors
- Base rates
- Available discounts
- Payment options
Service Quality
- Claims processing
- Customer support
- Digital services
Additional Features
- Language options
- Office locations
- Supplementary offers
Compare Providers
Use our AI-powered comparison tool to find the best provider for your needs:
- Compare premiums across providers
- Check service ratings
- View English support availability
Get Expert Help
Our insurance experts can help you make the right choice:
- Personal consultation
- Provider recommendations
- Application assistance
Application Process
Compare & Choose
Use our comparison tool to find the right provider and plan for your needs.
Gather Documents
Collect required documentation including residence permit, ID, and address proof.
Submit Application
Complete the application form online or through our assisted process.
Review & Confirm
Check your policy details and confirm coverage options.
Activate Coverage
Set up payment method and receive insurance card.
Frequently Asked Questions
Can I be rejected for basic health insurance?
No, insurance providers cannot reject anyone for basic insurance (KVG/LAMal). They must accept all applicants regardless of age, health status, or pre-existing conditions.
Are pre-existing conditions covered?
Yes, basic insurance must cover pre-existing conditions without restrictions or waiting periods. This is a key principle of the Swiss healthcare system.
What happens if I need treatment before my insurance begins?
Your coverage is retroactive from your arrival date in Switzerland, even if you haven't yet arranged insurance. Keep all medical receipts for reimbursement.
Can I use my basic insurance abroad?
Basic insurance covers emergency treatment in foreign countries up to twice the cost of the same treatment in your canton of residence. For planned treatment abroad, you need prior approval.
What if I can't afford the premiums?
Premium subsidies are available for low-income residents. Contact your cantonal authorities to check eligibility and apply for premium reduction.
Ready to Get Started?
Compare Swiss health insurance providers and get expert guidance on choosing the right coverage.