Every Swiss citizen is obliged to conclude a compulsory basic health insurance agreement with an insurance company. Therefore, also expats newly-arrived in Switzerland are required to conclude a compulsory health insurance agreement within the first three months. In case of illness or accident, the compulsory basic insurance includes services established by the law, but the insured person always incurs a certain part of expenses. Since some services are not covered by the compulsory health insurance, additional types of insurance called ambulant and hospital supplementary insurance are proposed. They cover further needs such as for instance therapeutic alternatives or outpatient treatment abroad.
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