Staff members of permanent missions and international organisations, and their family members, are not obliged to obtain health insurance.
Family members working in Switzerland
Family members of persons enjoying privileges under international law in Switzerland are not subject to compulsory health insurance. They can be covered by the international organisation’s insurance scheme together with the principal beneficiary. Previously, this rule only applied to persons who did not exercise a remunerated activity. Persons in work were required to obtain insurance in Switzerland, even if they were covered by the international organisation’s insurance scheme.
Since 1 January 2016, family members or other accompanying persons who exchange their legitimation card for a Ci permit, in order to exercise a remunerated activity, have no longer been subject to compulsory health insurance.
This rule does not apply to nationals of an EU/EFTA country who have remained in their home country’s social security system and who are excluded from it on account of their remunerated activity in Switzerland. The rule concerns in particular family members of third country nationals.
For detailed information on the situation of staff members of permanent missions (PM) and international organisations (IO) with regard to the Health Insurance Act (KVG), please consult the website of the Federal Department of Foreign Affairs (FDFA) (see link below).
Last modification 17.08.2018