Rising healthcare costs are a growing concern for many, but particularly for expats in Switzerland. The average premium hike was a staggering 9% in 2024, with further increases expected in the coming years. Newcomers to Switzerland can now minimize their costs and still receive the best coverage for their individual needs, by “splitting” their health insurance. Expat Services Switzerland is here to show you how.
Splitting health insurance is the act of dividing your coverage between different providers. This way, you have your basic insurance with one provider and your supplementary insurance with another. Here’s why this is especially beneficial for expats in Switzerland.
Convinced yet? If you’re new in Switzerland, our seasons insurance consultants will find you the best health coverage and also handle the necessary paperwork for you.
Consult me on my health coverage!For expats concerned about having two different insurance providers: Don’t worry! The process is simpler than it appears. When admitted to a hospital, you just need to inform the staff about your insurers. The hospital handles the administrative tasks, including cost approvals and invoicing. As a patient, you will receive separate invoices from each insurer, streamlining the process.
Even if you switch your basic insurance provider, your supplementary insurance remains unchanged, providing continuity in your coverage.
Expats with basic and supplementary insurance from different providers should follow these steps to ensure smooth reimbursement of healthcare costs:
For expats in Switzerland, the last quarter of the year is an ideal time to switch health insurance providers and benefit from splitting. Expat Services Switzerland offers personal assistance and tailored insurance solutions to meet your unique needs.
To kick-start the splitting process, explore the best healthcare options with our expert guidance. Contact us now for personalized support in navigating Switzerland's health insurance system.
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.
Covid-19 is still present in every aspect of our life. But when do you need to have a test and how do you proceed to get tested? And who will cover the expenses for testing?
Having a baby is a big event. We therefore explain you everything you need to know about becoming a parent in Switzerland.
Visiting a doctor is certainly not your first priority when you are newly arrived in Switzerland. Nevertheless, it is beneficial to find out about how to find a doctor and register early on so that you are prepared in case of an emergency. In this article, you will find all the important information about this.
As the fall and winter seasons approach, it's a reminder for many to think about switching health insurance providers. You are not satisfied with your health insurance and are considering switching to another insurance company? In this article you will find all the important information about changing your health insurance.
You are new in Switzerland and would like to know what to consider when registering with a health insurance company? In the following article, we explain which deadlines apply and what is important when registering.
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.
