All persons domiciled in Switzerland must take out health insurance. Every family member is insured individually, regardless of age. Anyone arriving in Switzerland with the intention of staying must take out such insurance within three months. Parents are allowed the same period in which to insure their newborn children. The basic health insurance reimburses retroactively for any health-related expenses incurred up to the time the insurance coverage began. Since expenses are reimbursed retroactively, consequently it is mandatory to pay the premiums retroactively from the beginning of coverage on.
The insured may choose any health insurer he wants, and the insurer must accept him irrespective of his age and state of health, and without any reservations or qualifying period.