Health insurance

Thanks to compulsory health insurance, anyone living in Switzerland has access to good medical care. We are responsible for ensuring the ongoing development of this important social accomplishment. Find out here about the mandatory insurance requirement, health insurance oversight, benefits and tariffs, premiums and premium comparisons, quality assurance and amendments to the law.

Definitions

In this section you’ll find information on compulsory health insurance, also known as mandatory or basic health insurance. Insurers that provide compulsory insurance (called “Krankenkassen”, “caisses maladie” or “casse malati”) are not profit-oriented and must be recognised by the Swiss Federal Department of Home Affairs (FDHA). Insurance companies can also offer supplementary insurance (top-up insurance).

Premiums for compulsory (basic) health insurance compared

The site www.priminfo.ch is a neutral premium calculator provided by the FOPH (in German, French and Italian). You can use it to work out your premium for compulsory health insurance for the next year.

The Essentials in Brief

Health insurance is compulsory in Switzerland. What does it cover? How is it funded? How are benefits paid? This section and our brochure give you an overview.

Insured persons resident in Switzerland

If you live in Switzerland, find out here about everything you need to know: the mandatory insurance requirement, premium comparisons, premium reductions, your contribution to costs, special forms of insurance, voluntary daily benefits insurance and your insurance card.

Persons domiciled abroad

Are you moving abroad? Do you commute to work in Switzerland, or are you planning holidays in this country? What do you need to know about Swiss health insurance? You’ll find answers to these questions here.

Insurers and supervision

We at the FOPH are responsible for overseeing insurers that offer compulsory (basic) health insurance. Supplementary insurance plans fall under private insurance law and are overseen by FINMA, the financial market supervisory authority.

Benefits and tariffs

What medical care does compulsory (basic) insurance pay for? What hospital can you go to for treatment? What about maternity benefits? Which tariffs and prices are set by the authorities?

Description of services

Who decides what benefits compulsory (basic) health insurance pays? In this section you can find out who is responsible and the procedures for applying for coverage of new benefits.

Quality and patient safety

Swiss healthcare is of a high quality. But there’s still room for improvement. What is the Federal Council’s strategy? Who is responsible for quality? What information is available on healthcare quality?

Current Revision Projects

Various revisions are under way in the field of health insurance. They affect legislation including the Federal Health Insurance Act (KVG/LAMal), the Health Insurance Ordinance (KVV/OAMal) and the Health Insurance Benefits Ordinance (KLV/OPAS).

Revision projects adopted

Revisions and amendments have been completed related to medicinal products, oversight, curbing costs, funding nursing care, premiums, the risk equalisation scheme, contributions to the costs of hospital stays, hospital funding, insurance cards, registration and approval. We are expanding the compilation on an ongoing basis.