Health insurance for newcomers and expats in Switzerland
Are you new to Switzerland? Then you are required to take out mandatory health insurance, known as basic insurance, within the first three months of your arrival. The benefits of this basic insurance can be effectively complemented with voluntary supplementary insurance. In this article, find out what else newcomers and expats in Switzerland should consider regarding health insurance.
Basic Insurance
Basic insurance is mandatory for everyone in Switzerland. It covers most medical services, such as doctor’s visits, hospital stays, and medication. What exactly is covered by basic insurance is legally mandated and is the same for all insurers. However, the costs for basic insurance vary depending on the insurance provider, place of residence, and the age of the insured person. Thanks to various discount models and individually selectable deductibles, it is possible to save on basic insurance premiums. Every person who settles in Switzerland must take out health insurance within three months of taking up residence. This deadline also applies to parents who must register their newborn child with a health insurer.
Supplementary insurance
In addition to basic insurance, there are voluntary supplementary insurances. These can cover the costs for special medical services such as alternative therapies, dental treatments, contributions to optical aids, or treatments abroad. Transport costs and inpatient treatments in hospitals outside your canton of residence can also be covered by supplementary insurance. The costs for supplementary insurances vary greatly depending on the insurance provider and scope of coverage. It is therefore worthwhile to compare different offers to find the best one for you.
Choosing a Health Insurer
In Switzerland, you are free to choose your health insurer. There are many private health insurers that offer basic insurance. Health insurers are obliged to accept you. However, it is important to choose an insurance provider that suits your needs and offers good customer service. When taking out supplementary insurance, it should be noted that a health check is carried out, and unlike basic insurance, rejection by the health insurer is possible. Therefore, it is worthwhile to take out supplementary insurance while you are fit and healthy.
Consequences of Missing the Registration Deadline
Prompt registration upon moving to Switzerland is definitely recommended. If you do not take out health insurance within the first three months of your arrival in Switzerland, this will definitely have consequences.
Conclusion
When choosing the right insurance models and health insurers, there are a few things to consider. In addition, certain deadlines must be strictly adhered to.
We would be happy to advise and support you in finding the right insurance setup for you.
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