Is health insurance mandatory in Switzerland?

Yes, basic health insurance (KVG/Grundversicherung) is mandatory for all residents within 3 months of arrival. Supplementary insurance (VVG) is optional but recommended.

How much does Swiss health insurance cost for expats?

Basic premiums range from CHF 250–450/month depending on canton, franchise level, and insurance model. Expats can save 20–40% by choosing the right combination.

Can I keep my international health insurance in Switzerland?

Generally no. Swiss law requires KVG coverage from a Swiss-approved insurer. International plans can supplement but not replace the mandatory basic insurance.

When should I switch health insurance providers?

You can switch basic insurance every year by November 30 for the following January. Supplementary insurance has separate cancellation terms per provider.

Is the consultation really free?

Yes, our initial consultation is completely free. We are compensated by insurance providers, not by you, and remain fully independent as FINMA-registered brokers.

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Demand Intake: A granular analysis of your family's specific medical history and lifestyle needs.
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Guide to Swiss Health Insurance

KVG (LaMal)

MANDATORY BASIC INSURANCE

The statutory basic insurance required by law for all residents. Coverage is identical across all providers, but premiums vary based on franchise and region.

Primary care and specialist visits
Hospitalization in general ward
Basic medication coverage

VVG (LCA)

VOLUNTARY SUPPLEMENTARY

Optional coverage that enhances your medical experience. Offers access to private rooms, dental care, and alternative medicine. Requires a health questionnaire.

Worldwide emergency coverage
Semi-private or Private hospital choice
Dental and Orthodontics for children

Feature	KVG (Mandatory)	VVG (Supplementary)
Acceptance	Guaranteed (No health check)	Subject to Health Questionnaire
Premium Calculation	Region & Age group based	Risk-based (Age, Gender, Health)
Switching Period	Annually (Nov 30 deadline)	Varies (usually 3-6 months notice)
Benefit Control	Regulated by Federal Govt	Contractual / Competitive Market

Swiss Health Insurance FAQ

How long do I have to get insurance after moving?

You have exactly 3 months from your arrival date (the date on your permit or registration) to sign up for KVG. The coverage is backdated to the day you entered Switzerland.

What is a "Franchise"?

The franchise is your annual deductible. For adults, this ranges from CHF 300 to CHF 2,500. Choosing a higher franchise lowers your monthly premium significantly.

Can I keep my doctor from abroad?

Generally, no for standard treatments. However, specific VVG policies offer worldwide coverage for elective procedures and second opinions with international specialists.

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