Swiss Health Insurance Demystified:
Your Ultimate Guide

The Basics: KVG/LAMal

First things first: basic health insurance (KVG or LAMal) isn't just recommended—it's mandatory. Whether you're a local or an expat, you've got to get covered within three months of arrival. Here's the lowdown:

• Universal Coverage: Everyone gets the same basic benefits, no matter which insurer you choose.
• Freedom of Choice: Pick any provider you like, but remember, the basic coverage stays the same.
• Deadline Alert: Don't dawdle! Sign up within 90 days of moving to Switzerland.

Pro Tip: Check out our guide on Understanding Swiss Health Insurance Models for a deeper dive.

Deductibles: Your Financial Seesaw

Ah, the deductible (or "franchise" if you want to sound local). It's the amount you'll pay out-of-pocket before your insurance kicks in. Choose wisely:

Deductibles range from CHF 300 to CHF 2,500. Not sure which to pick? Our article on
‍How to Choose the Right Deductible has got you covered.

Insurance Models: Choose Your Adventure

Swiss insurers love to give you options. Here are the main models:

1. Standard: Go to any doctor, anytime. Freedom comes at a price, though.
2. Family Doctor: Your GP becomes your healthcare gatekeeper. Saves money & builds a relationship.
3. HMO: Stick to a network of doctors. It's cheaper but less flexible.
4. Telmed: Call a hotline before seeing a doctor. Perfect for the phone-savvy.

Want to know more? Dive into our Understanding Swiss Health Insurance Models guide.

Supplementary Coverage: The Cherry on Top

Basic insurance is great, but sometimes you want a little extra. Supplementary insurance covers things like:

• Private hospital rooms (for when you need some peace & quiet)
• Dental work (because smiles matter)
• Alternative therapies (acupuncture, anyone?)
• Global coverage (for the jet-setters among us)

Curious about your options? Check out our Supplementary Health Insurance in Switzerland breakdown.

Premiums: What's in Your Wallet?

Your premium depends on a few factors:

• Where you live (sorry, Basel & Geneva residents)
• Your age (youth has its perks)
• Your chosen deductible
• Whether you need accident coverage (if you are employed for more then 8 Houres per week)

Want to dive deeper? Our Understanding Health Insurance Premiums in Switzerland article breaks it all down.

Choosing Your Provider: The Big Decision

With over 65 insurers to choose from, picking one can feel overwhelming. Here are some top contenders:

• Helsana: Great for English speakers & tech lovers
• Sanitas: User-friendly with flexible options
• CSS: Wide range of supplementary coverages
• Assura: Budget-friendly, but less English support
• KPT: Solid all-rounder with good digital services
• SWICA: Strong global coverage, but watch those premiums
• Visana: Reliable with expat-friendly plans
• Groupe Mutuel: Known for its comprehensive plans and excellent customer service.

Still unsure? Our Compare Swiss Health Insurance Providers guide might help.

Need More Info?

We've got plenty more where this came from:

• 7 Reasons to Change Health Insurance for 2025
• Understanding Premium Reduction in Swiss Health Insurance
• Gym Memberships in Switzerland, covered by Insurance

Get Expert Help

Feeling overwhelmed? Don't sweat it. The pros at Expat Savvy specialize in helping internationals navigate Swiss health insurance. They'll help you compare plans, understand the fine print, & find the perfect coverage for your needs.

‍Ready to simplify your insurance search? Book a free consultation with Expat Savvy today!

There you have it—Swiss health insurance in a nutshell. Remember, choosing the right coverage is all about understanding your options & finding what works for you. Don't be afraid to ask questions & seek help. After all, your health (& wallet) are worth it!