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New to Switzerland: Health Insurance Setup Guide

Health Insurance Setup for Newcomers

  1. Register within 3 months of arrival
  2. Choose a model (Standard, Family Doctor, HMO)
  3. Set your deductible (CHF 300-2,500)
  4. Check accident coverage through employer

Registration Timeline

1

Before Arrival

Research insurance options and prepare required documents

2

First Month

Register with local authorities and get insurance quotes

3

By Month 3

Complete insurance registration - mandatory deadline!

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Frequently Asked Questions

Is health insurance mandatory in Switzerland?
Yes, basic health insurance is mandatory for all residents. You must sign up within 3 months of arrival or face penalties.
What happens if I miss the registration deadline?
You'll be automatically assigned to an insurer by cantonal authorities and may face penalties. You can still choose your provider afterward during the annual switching period.
Can I change my deductible during the year?
No, you can only change your deductible once per year when switching providers or renewing your contract for the following year.
Do I need accident insurance?
If you work more than 8 hours per week, your employer provides accident insurance. Otherwise, you need to include it in your health insurance.