I am moving to Switzerland

Health insurance: compulsory and supplemental coverage

Basic health insurance

Basic health insurance is compulsory for all persons living in Switzerland. You are therefore required to take out health insurance.

Discover our standard health insurance model: Standard model.

To save on premiums, you may also choose an alternative compulsory health insurance model:

These models are cost-effective alternatives to the standard insurance. Find out more about their advantages and how they work: Basic health insurance.

 

Exceptions to the obligation to be insured

There are exceptions to the obligation to be insured. In accordance with the bilateral agreements between Switzerland and the European Union (EU), you must be insured in the country where your income originates.

  • If your income originates from an EU country only, you and your family members are subject to the social security system of that country.
    Contact your local authorities in Switzerland to receive an exemption to the obligation to take out insurance.
  • If your income originates from one or several EU countries and from Switzerland, you and your family members are subject to the Swiss compulsory health insurance.

Choose your basic health insurance now.

 

Accident insurance

All persons engaged in a professional activity in Switzerland are insured against illness and workplace accidents as well as, most of the time, against non-workplace accidents.
Part-time employees (less than eight hours per week) are insured against workplace accidents only.
Other persons can take out insurance by adding the accident risk to their basic health insurance coverage.

Supplemental health insurance

Supplemental insurance plans are optional and serve to enhance legal basic insurance benefits. They cover benefits not reimbursed under the compulsory insurance.
Areas covered:

  • Outpatient treatments
  • Hospitalisation
  • Travel and trips abroad
  • Dental care
  • Alternative medicine treatments
  • Supplemental accident insurance

Daily allowance benefits, pensions and lump-sum capital amounts
Discover our full range of supplemental insurance plans: Supplemental insurance.

 

Basic health insurance
standard model

Compulsory basic health insurance covers the benefits provided under LAMal/KVG in the event of illness, accident and maternity. Choose the standard model or an alternative model that provides for specific rules in exchange for reduced premiums.

Read more

Supplemental
insurance

A wide range of products to supplement the basic LAMal/KVG benefits, for enhanced protection

Read more

Request for advice when relocating to Switzerland

Are you relocating to Switzerland and seeking information on health insurance?
Contact us for advice.

Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111