Health insurance: Tourists in Switzerland

Tourists from an EU/EFTA member state are entitled to receive medical treatment during temporary visits to Switzerland (for holidays or business trips). Nationals of other countries must have sufficient insurance to cover the cost of any possible healthcare needs.

Tourists from the EU/EFTA

A blue identity card

Persons with statutory health insurance cover from an EU/EFTA member state are entitled to treatment in the event of illness, non-professional accidents and maternity during temporary visits to Switzerland (for holidays or business trips). On presentation of their European Health Insurance Card (EHIC) they are entitled to the medical care appropriate to their condition and the projected duration of their stay in Switzerland. This means that patients must not be required to shorten their visit to Switzerland in order to return home for treatment. Persons who do not have their EHIC with them may request that their health insurer send them a temporary certificate.
For more information, see links below to the Common Institution under the KVG.

Tourists from other countries

Tourists from other countries must ensure they have sufficient health-insurance cover. Additional travel insurance covering medical treatment in Switzerland is recommended.

Persons needing a Schengen visa to visit Switzerland are required to take out medical insurance cover of at least CHF 30,000. Further information on this can be found on the State Secretariat for Migration website, “Short-term stay: entry requirements for Switzerland”.

Entering with the intention of settling in Switzerland

Persons entering Switzerland with the intention of taking up residence (e.g. due to marriage) are subject to compulsory health insurance from the date of their arrival, not their registration with the Residents' Registration Office or the issue of their residence permit (see Federal Supreme Court ruling of 12 January 1999 ATF125 V 76). They must obtain insurance from an approved Swiss health insurer within 3 months after arriving in Switzerland - in which case it will apply retroactively from the date of their arrival. If they fail to do so, they may be automatically enrolled with a health insurance fund – with a premium surcharge for belated admission in the absence of an excuse for the delay – and are required to pay the costs of any medical treatment received prior to the date of admission themselves.

Medical tourism

Persons staying in Switzerland for the sole purpose of receiving medical treatment or to undergo a cure are not permitted to take out cover with a Swiss health insurer.

Further information

Cost participation

Policyholders must participate in the costs of the treatment they receive in Switzerland.

Tourists abroad and globetrotters

Persons travelling abroad remain subject to insurance obligations in Switzerland.

Last modification 17.08.2018

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Section Legal Supervision of Health Insurance
Schwarzenburgstrasse 157
3003 Berne
Tel. +41 58 462 21 11

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