Health insurance: Requirement to obtain insurance for persons resident in Switzerland

Anyone who comes to Switzerland intending to settle in the country (Swiss citizen, holder of a C or B permit) is required to obtain health insurance within three months after taking up residence. After a birth, insurance should be obtained for the child within the same period.

Under the European regulations on the coordination of social security systems, certain persons, even though they are resident in Switzerland, may be subject to insurance obligations in an EU/EFTA country. More information on this topic can be found for the categories of persons listed opposite.

Beginning of coverage

Essentially, any person who is resident in Switzerland is required to obtain health insurance, or to be insured by their legal representative, within three months after taking up residence, or being born, in Switzerland.

Each member of a family – adult or child – has to be individually insured. If insurance is obtained within the specified period, coverage takes effect from birth or from the beginning of residence in Switzerland. Any costs which may have been incurred since the start of coverage will be reimbursed retroactively. Accordingly, premiums are also payable retroactively from the date on which coverage begins.
In the event of delayed registration, coverage will only take effect from the time of registration, and a premium supplement will be payable unless the delay is justified.

End of coverage

Coverage ceases when an insured person is no longer subject to compulsory insurance:

  • if he or she dies
  • if he or she leaves Switzerland to take up residence in another country and is not required to remain insured in Switzerland under the bilateral agreements with the EU/EFTA or other international agreements on social security.

List of approved health insurers

Health insurers can be freely chosen, but they must be approved in accordance with the Health Insurance Act (KVG). Health insurers are obliged to accept all applicants without any reservations or qualifying period, regardless of their age or state of health.

Applications should be submitted directly to the health insurer of your choice.

The list of health insurers licensed to operate compulsory health insurance in Switzerland is available below.

Last modification 26.08.2019

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

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