Swiss tips · Money

Health insurance explained

Photo: Traumrune, CC BY-SA 3.0 (Wikimedia Commons)

Compulsory for everyone who lives here.

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The deadline

You must be insured within 3 months of taking up residence.

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On time or late

On time: cover is backdated to your move-in day, and premiums are owed back to then. Late: cover starts when you join, and an unexcused delay can bring a premium surcharge.

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One policy per person

There is no family policy. Each person, children included, needs their own.

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Franchise

Standard franchise is CHF 300 for adults and CHF 0 for children. A higher franchise lowers the premium. You can only change it at the start of a calendar year.

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Compare premiums

Priminfo by the BAG compares premiums by birth year, franchise, accident cover, insurer, model and postcode. It shows 2027 premiums now; the average rise is 5%.
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