Just Moved to Switzerland? Here's Your Health Insurance Guide
Everything you need to know about getting health insurance in Switzerland as a newcomer. Clear guidance on requirements, deadlines, and choosing the right coverage.
⚠️ Important: The 3-Month Deadline
You must obtain Swiss health insurance within 3 months of arrival. Coverage is retroactive to your arrival date, but missing this deadline can result in:
- Automatic assignment to an insurer (often at higher rates)
- Retroactive premium payments from arrival date
- Potential fines from cantonal authorities
- Limited choice in insurance options
First Steps After Arrival
Register with Local Authorities
Register at your local commune within 14 days of arrival. This establishes your official arrival date for insurance purposes.
Understand Basic Requirements
Learn about mandatory basic insurance (KVG/LAMal) and what it covers. Everyone must have at least this level of coverage.
Gather Required Documents
Prepare your residence permit, passport, and Swiss address proof. You'll need these for insurance applications.
Compare Insurance Options
Research different providers and coverage options. Consider factors like language support and service quality.
Documents You'll Need
Essential Documents
- Passport or ID card
- Residence permit or visa
- Swiss address registration
- Work contract (if applicable)
Additional Documents
- Bank account details
- Previous insurance certificates
- Marriage certificate (if applicable)
- Children's birth certificates
Special Situations
Cross-border Workers
If you work in Switzerland but live in a neighboring country, special rules apply:
- Option to keep home country insurance (with form S1)
- Choice between Swiss or home country coverage
- Family members may need separate arrangements
Students
Special considerations for students:
- Possible exemption with equivalent coverage
- European Health Insurance Card acceptance
- Special student insurance packages available
Families
Important points for families:
- Each family member needs individual coverage
- Family discounts may be available
- Maternity coverage included in basic insurance
Common Questions
Can I use my home country insurance temporarily?
Generally no, except for temporary visitors from EU/EFTA countries with a European Health Insurance Card (EHIC). All residents must obtain Swiss health insurance within 3 months of arrival.
What if I need medical care before my insurance is active?
Your Swiss health insurance will cover medical expenses retroactively from your arrival date, even if you haven't yet arranged insurance. Keep all medical receipts for reimbursement.
Can I be rejected for basic health insurance?
No, insurers must accept all applicants for basic insurance (KVG/LAMal) regardless of age, health status, or pre-existing conditions. This is a fundamental principle of Swiss healthcare.
What if I can't afford the premiums?
Premium subsidies are available for residents with lower incomes. Contact your cantonal authorities to check eligibility and apply for premium reduction.
Should I get supplementary insurance right away?
While not mandatory, consider supplementary insurance while you're healthy, as insurers can reject applications based on health conditions. However, focus on setting up basic insurance first to meet legal requirements.
Need Help Getting Started?
Let us guide you through the Swiss health insurance system. Get expert help with choosing and setting up your insurance.