Health insurance in Switzerland

What you need to know

• It’s mandatory for everyone living in Switzerland, including children.
• You have 3 months from your arrival to get it.
• Basic insurance covers the same everywhere: it’s set by law. What changes is the price.
• The franchise is what you pay each year before insurance pays (adults: from CHF 300 to 2500). High franchise = cheaper premium, but you pay more if you get sick.
• Cheaper models: family doctor, HMO, or Telmed (you call first by phone).
• You can change insurer for January 1. Your cancellation letter must reach the insurer by the last working day of November at the latest.