Health insurance for newcomers and expats in Switzerland
Have you just moved to Switzerland? Then you are obliged to take out compulsory health insurance, the so-called basic insurance, within the first three months after your arrival. The benefits from this basic insurance can be usefully supplemented with voluntary supplementary insurance. In this article, you can find out what else newcomers and expats in Switzerland need to know about health insurance.
The basic insurance
Basic insurance is compulsory for all persons in Switzerland. It covers most medical services, such as visits to the doctor, hospitalisation and medication. What exactly is covered by basic insurance is prescribed by law and is the same for all insurers. However, the costs for basic insurance vary depending on the insurance company, place of residence and age of the insured person. Thanks to various discount models and individually selectable deductibles, it is possible to save premiums in basic insurance. Every person who takes up residence in Switzerland must take out health insurance within three months of taking up residence in Switzerland. This deadline also applies to parents who have to register their newborn child with a health insurer.
In addition to the basic insurance, there are voluntary supplementary insurances. These can cover the costs of special medical services such as alternative therapies, dental treatment, amounts for visual aids or treatment abroad. Transport costs and inpatient treatment in a hospital outside your canton of residence can also be covered by supplementary insurance. The cost of supplementary insurance varies greatly depending on the insurance and the scope of coverage. It is therefore worth comparing different offers to find the best deal for you.
Choice of health insurance
In Switzerland, you are free to choose your health insurance. There are many private health insurance companies that offer basic insurance. Health insurance companies are required to admit you. However, it is important to choose insurance that fits your needs and provides good customer service. When taking out supplementary insurance, it is important to note that a health check is carried out and, in contrast to basic insurance, a rejection by the health insurer is possible there. Therefore, it is worth taking out supplementary insurance as long as you are fit and healthy.
Consequences for missed registration deadline
A quick registration when moving to Switzerland is recommended in any case. If you do not take out health insurance within the first three months of your arrival in Switzerland, this will have consequences in any case.
There are a few things to consider when choosing the right insurance models and health insurance companies. In addition, certain deadlines must be strictly adhered to.
We will be happy to advise and support you in finding the right insurance set-up for you.