Is health insurance mandatory in Switzerland?

Yes, health insurance is mandatory for all residents in Switzerland. You must obtain basic health insurance (LAMal/KVG) within 3 months of arriving or being born in Switzerland.

What does basic health insurance cover in Switzerland?

Basic health insurance covers essential medical treatments, hospital stays, prescription medications, and various preventive measures. It includes emergency treatment, maternity care, and accidents if not covered by accident insurance.

When can I change my health insurance in Switzerland?

You can change your basic health insurance provider by giving notice by November 30th for coverage starting January 1st. With a standard deductible (300 CHF), you can also change by June 30th for coverage starting July 1st.

How can I reduce my health insurance premiums?

You can reduce premiums by choosing a higher deductible, selecting an alternative insurance model (HMO, family doctor, or telmed), or checking if you qualify for premium subsidies (Prämienverbilligung).

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