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Persons residing in Switzerland

Health insurance is compulsory for all residents in Switzerland, irrespective of their nationality. All the members of the family, both adults and children, require insurance. After taking up residence (or after the birth of a child) in Switzerland, a person has to take out insurance within three months. The health insurance fund can be freely chosen.

All persons who have a Swiss residence permit valid for three months or longer need health insurance. It’s also required for persons who are working in Switzerland for less than three months and do not have equivalent insurance cover from another country which is valid in Switzerland. Insurance is also required if a person is a Swiss national or a national of an EU/EFTA country, is working in Switzerland and is resident in a member state of the EU, in Iceland or in Norway. This also applies to any members of the family who are not employed. Furthermore, health insurance is required if a person is a Swiss national or a national of an EU/EFTA country whose only source of income is a Swiss pension and is resident in a member state of the EU, in Iceland or in Norway. This also applies to any members of the family who are not employed. If a person is receiving unemployment benefit and goes to an EU/EFTA country for three months to look for work, health insurance is also required.

Essentially, insurance coverage ceases when a person dies, or leaves Switzerland. Exceptions are made for certain groups (pensioners, unemployed, cross-border commuters, etc.) on the basis of bilateral agreements with the EU and the agreement with EFTA countries.

There are several exceptions from the exemption of the obligation to obtain insurance in Switzerland. Requests in that matter will be assessed by the competent cantonal authorities. For further information, or to obtain the necessary forms, please contact directly the competent local authority.

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Last updated on: 23.05.2012

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The compulsory health insurance in Switzerland
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