The right health insurance for newcomers with simply
Just arrived in Switzerland? simply helps you choose the right basic and supplementary insurance with KPT – simple, understandable, and personal.
The most important things about health insurance in Switzerland
After moving to Switzerland, you must take out basic insurance within three months. You are free to choose your insurer. The cover applies retroactively from the date of entry.
You can supplement your cover where basic insurance does not apply (e.g. for dentists, visual aids, alternative medicine, extra comfort in hospital). simply explains the differences and supports you in taking out insurance.
Take out your basic insurance within three months – if you join later, you risk premium surcharges and assignment by the authorities.
The premiums depend on your place of residence, your age, the deductible, and the insurance model you have chosen. You can pay monthly, semi-annually, or annually.
You pay an annual deductible (between CHF 300 and CHF 2,500), plus a 10% co-payment up to a maximum of CHF 700 and CHF 15 per day in hospital.
Supplementary insurance – your tailor-made protection
With supplementary insurance, you can extend your insurance cover to include benefits such as dental costs, extra comfort in hospital, health promotion, visual aids, check-ups, or alternative medicine.
- Important
A health check is required here. The insurer can reject applications or make exclusions.
We're here to help video consultation
Personal, digital, flexible: our video consultation answers your questions.
Digital services from KPT
Basic insurance models at KPT
Standard
Free choice of doctor, no restrictions
Initial contact via Medi24 (telemedicine) or family doctor, then free choice of doctor or referral
Treatment in the chosen health network, central administration
simply advises you on which model is best for your situation.
Good to know
Accident insurance
If you work at least 8 hours a week for the same employer, you are insured against accidents there and can exclude accident cover from your health insurance (saves 7% of the premium).
Premium reduction
Who is not subject to compulsory insurance?
There are exceptions (e.g. cross-border commuters, students from the EU/EFTA/UK with equivalent insurance cover, diplomats). simply helps you clarify whether you need insurance.
Frequently asked questions
1. By when do I have to take out insurance?
Within three months of moving to Switzerland. Surcharges and assignment possible later.
2. What is the difference between basic and supplementary insurance?
Basic insurance is compulsory and covers the essentials. Supplementary insurance offers comfort, dentist, glasses, etc.
3. How much does health insurance cost?
Depends on place of residence, age, deductible, model. The benefits are the same everywhere, while the premiums vary.
4. What if I am already ill?
Basic insurance must accept you, supplementary insurance may lead to rejection or exclusions.
VAG simply 