Navigating the Swiss health insurance system can be challenging for expats, but finding the right plan to meet all your needs is crucial. Within three months of arriving in Switzerland, expats are required to secure compulsory basic health insurance. Failure to do so can result in back payments and fines.
Expat Services Switzerland is here to walk you through the process of building the right health plan for your specific needs.
You're legally required to have basic health insurance in Switzerland. The responsibility of getting insured is on you, and you can generally chose whichever insurance company you prefer. The basic health insurance is a fundamental part of the nation's social approach to healthcare, but there are still many options and complexities you need to be aware of.
Deductibles and premiums
Health insurance models
Accident Insurance: If you work less than eight hours per week, you’ll need to include accident insurance in your healthcare plan.
Supplementary insurance is an addition that closes the many gaps left by basic health insurance. Offers for supplementary insurance differ greatly from provider to provider, but most of the time it requires a health check-up to conclude. Unlike with basic health insurance, a provider may deny your application for supplementary health insurance.
Choosing the right supplementary insurance can be complex, involving health questionnaires that must be completed accurately. We can guide you through this process to ensure your application is accepted.
Expats should be aware that premiums for basic insurance are retroactively applied from the date of arrival. If you miss the three-month deadline, you might also face penalties. If you're new in Switzerland, we can assist you in avoiding these fines by concluding your health insurance for you on time.
Selecting the best health insurance involves numerous considerations, from deductibles to insurance models and supplementary coverage. Our comprehensive knowledge and collaboration with all health insurance offices can simplify this process. Contact us for personalized consultation tailored to your needs.
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Rising healthcare costs are a cause for concern, especially in light of the average premium hike of 9% in 2024, with further increases in the years to come. In such challenging times, many people in Switzerland are seeking ways to minimize their financial burden. This is where "splitting" comes into play.
Medications are becoming increasingly complex, and new pharmaceuticals are hitting the market often at high price points. Expat Services Switzerland is here to inform expats to the country on how your medications, vaccinations, and check-ups are paid for.
You’ve newly arrived in Switzerland, concluded your basic health insurance on time, and started to settle in. Yet the first time you have actual healthcare expenses, you get stiffed with a high bill and rightfully ask yourself “how is THIS not covered by basic insurance?”.
Switzerland has a high-quality healthcare system, but finding the right health insurance as a foreigner is tough. If you’re new to the country, you legally must be insured within 3 months of your arrival. That’s why we’ve put together a list of the top health insurance providers for foreigners in Switzerland, each with unique benefits. Here’s our top 8 recommendations for 2024, formed by our independent insurance experts.
For foreigners moving to Switzerland, understanding the health insurance landscape is crucial. This guide will show you how to find the best health insurance available in 2024. The government mandates a basic health insurance plan, but you can also choose additional, private supplementary insurance for better coverage.
