Persons resident in an EU/EFTA country who are subject to Swiss compulsory health insurance under the Swiss-EU Agreement on the free movement of persons or the EFTA Convention must pay the premiums applicable for their country of residence.
About a third of Swiss health insurers offer cover for people resident in an EU or EFTA country. Some insurers offer cover only for certain EU countries. The premiums must cover the costs incurred by policyholders in all these countries. Insurers must calculate separate premiums for each country, reflecting the differences in costs.
EU/EFTA premium subsidies
Switzerland grants premium subsidies to KVG policyholders on low incomes resident in EU or EFTA countries. The Confederation is responsible for premium subsidies granted to pensioners and their family members; they are administered by the Common Institution under the KVG (see link below in French, German or Italian “Premium subsidies for pensioners resident in an EU/EFTA country”). In contrast, responsibility for premium subsidies for people working in Switzerland, cross-border commuters and persons drawing unemployment benefit, as well as family members, rests with the canton of residence (or the canton of employment, for cross-border commuters). The document below lists the addresses of the cantonal authorities responsible for premium subsidies.
Last modification 02.12.2021