Health insurance for people resident in Switzerland

Here, people resident in Switzerland can find useful information on the requirement to obtain insurance, premium comparisons, premium subsidies, co-payment, special types of insurance, optional daily allowance insurance, or the health insurance card.

If you would like to calculate or compare compulsory health insurance premiums, you can use the federal authorities’ neutral premium calculator available at

Mandatory insurance requirement

Anyone settling in Switzerland must obtain insurance within three months after taking up residence.

Premiums and contributions to costs

Insurers set the premiums paid by policyholders.
Services are subject to co-payment by policyholders.

Special forms of insurance

Insureds have various options for reducing their premium: 1) choosing a higher deductible, 2) limiting their choice of doctors and hospitals (e.g. by choosing a family doctor model) or 3) opting for a bonus model.

Voluntary daily benefits insurance

Optional daily allowance insurance offers protection if you are unable to work as a result of an accident, illness or maternity.

Supplementary insurance

Supplementary (or top-up) insurance plans cover benefits not included under compulsory (basic) health insurance. They are optional for insureds, and insurers are under no obligation to admit applicants to supplementary insurance.

Insurance card

Insurers issue their insureds with an insurance card. It helps improve the quality of medical care and simplify the settlement of claims, and can also serve as ID for the electronic patient record.

Last modification 28.01.2021

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

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