All you need to know about
health insurance in Switzerland

Understanding mutual and health insurance in Switzerland

If you’re planning to move to Switzerland, either as an expatriate or from Morocco, it’s essential to understand how health insurance works. In Switzerland, it is compulsory for all residents to take out basic health insurance, under the Federal Health Insurance Act (LAMal). This coverage guarantees access to high-quality medical care in the event of illness, accident or maternity.

However, this basic insurance does not cover all costs. For optimum protection, many people choose to take out a supplementary health insurance plan, which gives them access to better-reimbursed care, particularly for hospitalization in a private room or alternative medicine.

Rates vary according to insurer, region and age, so it’s advisable to compare offers before making your choice. As an expatriate, it’s a good idea to plan ahead to avoid any surprises and enjoy your new life in Switzerland with peace of mind.

Compulsory basic insurance and enrolment deadlines

Anyone moving to Switzerland must join a health insurance scheme within three months of arrival. If you register on time, coverage is retroactive to the date of arrival or birth, ensuring uninterrupted coverage. However, late registration may result in financial penalties and no coverage for the uninsured period.

Alternative insurance models to save money

Although basic insurance benefits are standardized, there are alternative models for reducing premiums. These include the family doctor model, telemedicine and healthcare networks. These options generally involve consulting a designated general practitioner first, or using medical advice services by telephone before consulting a specialist. In exchange for these restrictions, insurers offer more attractive premiums.

Supplementary insurance for extended protection

n addition to basic health insurance, Swiss residents can take out optional supplementary health insurance. These cover benefits not covered by compulsory insurance, such as dental care, alternative medicine, hospital stays in a private or semi-private ward, and contributions to fitness subscriptions.t is important to note that acceptance to these insurances is not guaranteed and may depend on the insured’s state of health.

Health insurance costs

he cost of health insurance in Switzerland is made up of the monthly premium, the annual deductible and the co-payment.he monthly premium varies according to insurer, region and age.he deductible is the amount the insured must pay out-of-pocket before the insurance begins to reimburse medical expenses. It can be chosen between 300 and 2,500 Swiss francs for adults, with a higher deductible generally resulting in a lower monthly premium. Finally, the co-payment corresponds to 10% of the cost of treatment after deduction of the deductible, with an annual ceiling of 700 Swiss francs for adults.

Special conditions for cross-border commuters

Cross-border commuters living in a neighboring country and working in Switzerland have specific health insurance options. They can choose whether to be insured in Switzerland under the KVG/LAMal or in their country of residence. Special mutual insurances for cross-border commuters exist, offering suitable coverage on both sides of the border. It is essential for cross-border commuters to understand the implications of each option in order to make an informed choice.

Tips for choosing the best insurance

ith so many different options on offer, it’s a good idea to compare different health insurance companies to find the one that best suits your needs and budget. Independent online comparators, such as the one offered by the Swiss Federal Office of Public Health, can be useful. The Swiss health insurance system offers solid coverage, but requires particular attention when choosing an insurer and additional options to ensure optimum protection for each situation.