New in Switzerland                                                                                                 

Would you like to live in Switzerland or have you just moved? Switzerland has one of the best healthcare systems in the world based on solidarity, and you as a resident of Switzerland can benefit from it. Here you will find some information you need to know to be properly insured in this Swiss country.

New in Switzerland


Just arrived in Switzerland?  We can offer you a health insurance offer for a « New in Switzerland » package that includes everything you need for your new life in Switzerland.

We are at your disposal for questions and further information. To make your quality of life more comfortable and pleasant. With our consultants you will find comprehensive insurance solutions that can be flexibly adapted to your needs. Here you can request an offer for the cheapest health insurance in your region.


Term of three months

You must take out your health insurance within three months of your arrival in Switzerland. The competent cantonal authorities supervise compliance with the insurance obligation, which in most cases requires a copy of the policy or a copy of the insurance card.

Health insurance - costs and benefits?

As an insured, you have to pay a monthly premium for health insurance. The cost of premiums is not the same for everyone, it depends on the health insurance company, the place of residence and the age of the insured. For children and young people the prizes are cheaper.

What is the deductible?

The deductible is the annual amount with which you have to contribute to the costs of medical services, the mandatory one is 300 CHF for adults and none for children. Once this amount is reached, the health insurance company provides its benefits. You can choose a higher deductible and pay lower premiums.

Welcome to Switzerland!

All health insurers in Switzerland that carry out compulsory health care insurance (KVG) must cover the same statutory scope of benefits. According to the law, the KVG only provides services that are effective, appropriate and economical. Health insurance is compulsory in Switzerland. In contrast to the compulsory KVG basic insurance, the additional insurance benefits vary from health insurance to health insurance.

The basic insurance benefits are the same for all health insurance companies in Switzerland. Basic insurance is compulsory in Switzerland. If you move to Switzerland from abroad, you must take out health insurance.
If you move with the whole family, you must apply for basic insurance for each member. Once you have signed up with the registry, you have three months to take out mandatory health insurance. It is very important to know that if you register within this period, you will be insured from the date of your entry.

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Information on accident  insurance

Accident insurance is compulsory in Switzerland and protects employees in Switzerland from the economic health consequences of accidents at work and occupational accidents or diseases. The Accident Insurance Act stipulates that your employer will insure you against accidents if you work at least eight hours a week. In addition, domestic workers, trainees and cleaning staff in private homes must be insured. In Switzerland, housewives, children, students and pensioners must be insured against accidents as part of the compulsory health insurance .

Employers are legally obliged to take out accident insurance for their employees. Depending on your company's field of activity, Suva or a private insurer is responsible. Note that the compulsory accident insurance only offers limited benefits.

Additional accident insurance
In the event of disability as a result of an accident, there is an additional insurance that provides a flat rate based on the selected sum insured. 

In the event of a disability, further development of the benefit of up to 350% of the subscribed capital is possible with worldwide coverage in private distributions in the event of a hospital stay. The supplementary accident insurance covers the gaps in the compulsory insurance and offers better compensation in the event of an accident.

What does accident insurance offer?       

If you work at least eight hours a week, you are legally insured against accidents by your employer and can exclude the risk of accidents in the basic insurance.

The Accident Insurance Act stipulates that your employer will insure you against accidents if you work at least eight hours a week. In addition, domestic workers, trainees and cleaning staff in private homes must be insured. In Switzerland, housewives, children, students and pensioners must be insured against accidents as part of the compulsory health insurance .
Employers are legally obliged to take out accident insurance for their employees. Depending on your company's field of activity, Suva or a private insurer is responsible. Note that the compulsory accident insurance only offers limited benefits.

What is co-payment?

In the basic insurance, the cost sharing consists of the deductible, the deductible and the hospital contribution. You do not have to pay any co-payment for maternity benefits.


Choosing a higher franchise

In the regular insurance, the deductible (annual amount with which you contribute to the costs) is 300 CHF for adults (CHF 0 for children). You can choose a higher deductible and pay lower premiums for it.


When can I change my health insurance deductible?


To a higher franchise

  • At any time at the beginning of the calendar year

Too lower deductible

  • Deadline of three months to the end of the calendar year and one month after notification of the new premium.

To other insurance model

  • Basis on alternative - at any time during the year starting on the 1st of the following month (300/0)
  • Alternatively on based, at the beginning of the calendar year by November 30th


I am pregnant, do I have to share the cost?
No, in the case of maternity, there is no cost sharing from the 13th week of pregnancy and up to eight weeks after the birth.  Here you can request an offer for the cheapest health insurance in your region. With our advisors you will find comprehensive insurance solutions that can be flexibly adapted to your needs.



Would you like to change your health insurance ?


Do you need help in the transition phase? Do you feel lost with all the information and red tape? Know more




 

  • Information on basic insurance
  • Information on supplementary insurance

What is the three month term?

You must take out your health insurance within three months of your arrival in Switzerland. The responsible cantonal authorities monitor compliance with the insurance obligation, which in most cases requires a copy of the policy or a copy of the insurance card.

Health Insurance - Costs and Benefits?

As an insured person, you have to pay a monthly premium for health insurance. The premium costs are not the same for everyone, but depend on the health insurance company, the place of residence and the age of the insured person. The prices are cheaper for children and young people.

What is the deductible?

The deductible is the annual amount with which you have to contribute to the costs of medical care; the mandatory amount is CHF 300 for adults and none for children. As soon as this amount is reached, the health insurance company offers its services. You can choose a higher deductible and pay lower premiums.

Information on deductible and copayment

What Is an Insurance Deductible?

Everyone living in Switzerland must have statutory health insurance and contribute to treatment costs in the event of illness or accident. Because the Swiss health system is based on solidarity.

The deductible is the contribution you make towards the treatment costs per calendar year. If you have a deductible of CHF 2500, you pay the first CHF 2500 of the medical costs.

What is the most convenient deductible for me?

If you choose a low deductible such as CHF 300 for an adult, you pay less for your treatment costs, but your monthly insurance premium is much higher. However, if you opt for a high deductible of CHF 2500, you will pay lower monthly insurance premiums and thus take more responsibility for your health care costs.

You have the right to change your deductible every year and, as insured, you can choose one of the following deductibles:

Annual deductible children (0-18)

 Annual deductible youths (19-25)

 Annual deductible adults > 26 

CHF    0

CHF  300.-

CHF  300.-

CHF 100

CHF  500.-

CHF  500.-

CHF 200

CHF 1000.-

CHF 1000.-

CHF 300

CHF 1500.-

CHF 1500.-

CHF 400

CHF 2000.-

CHF 2000.-

CHF 500

CHF 2500.-

CHF 2500.-


Choosing a higher franchise

In the regular insurance, the deductible (annual amount with which you contribute to the costs) is 300 CHF for adults (CHF 0 for children). You can choose a higher deductible and pay lower premiums for it.

When can I change my health insurance deductible?
To a higher franchise

  • At any time at the beginning of the calendar year

Too lower deductible

  • Deadline of three months to the end of the calendar year and one month after notification of the new premium.

To other insurance model

  • Basis on alternative - at any time during the year starting on the 1st of the following month (300/0)
  • Alternatively on based, at the beginning of the calendar year by November 30th.

I am pregnant, do I have to share the cost?
No, in the case of maternity, there is no cost sharing from the 13th week of pregnancy and up to eight weeks after the birth.  Here you can request an offer for the cheapest health insurance in your region. With our advisors you will find comprehensive insurance solutions that can be flexibly adapted to your needs.

Documents upon completion

A copy of the foreigner's permit is important. The additional products cannot be concluded with the F or N residence permit.

Immigration from abroad

The most important documents are the residence permit and certificate of residence. Example, permit B, entry date 01.01.2021 KVG insured from 01.01.2021.

Premium surcharge for late joining

If you are new to Switzerland and do not register with the insurance company within 3 months of entering the country, the insurance company will charge you a premium surcharge.

Change health insurance

Possible until November 30th from 1.1. the following year. The basic insurance with a deductible of 300/0 can be extended until March 31st. from 1.7. of the current year.

We at BBC Best Bargain, health insurance - advice center, are very familiar with informing, instructing and advising our customers about all health insurances!

Do you want to know more about health  insurance in Switzerland? Please contact us.

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