Swiss Health Insurance
Navigate Swiss health insurance requirements with expert guidance. From mandatory coverage setup to plan changes and optimization — specialized agencies help you choose the right insurance for your needs and budget.
What's Included
Comprehensive insurance advisory for expats relocating to Switzerland
Mandatory Insurance Setup
Expert guidance on selecting and enrolling in Swiss mandatory health insurance (KVG/LAMal) within the required 3-month deadline.
Plan Comparison
Compare premiums, deductibles, and coverage across all Swiss insurance providers. Find the optimal balance between cost and coverage.
Insurance Changes
Assistance with changing insurance providers, adjusting deductibles, or updating coverage levels during annual change periods.
Premium Optimization
Strategies to reduce premiums through deductible selection, managed care models, and subsidy eligibility assessment.
Family Coverage
Specialized advice for families, including children's insurance, maternity coverage, and coordinating policies for the whole household.
Ongoing Support
Claims assistance, coverage questions, dispute resolution, and annual plan review to ensure continued optimal coverage.
Swiss Health Insurance Key Facts
Important information for expats
Mandatory Within 3 Months
Everyone residing in Switzerland must have basic health insurance (KVG/LAMal). You have 3 months from arrival to enroll retroactively.
Monthly Premiums Vary
Premiums range from CHF 200–600/month depending on canton, age, deductible choice, and insurance model. Same coverage, different prices.
Annual Change Period
You can change insurance providers by November 30 each year for coverage starting January 1. Deductible changes possible at different times.
Subsidies Available
Low to middle-income residents may qualify for premium subsidies from their canton. Eligibility and amounts vary by canton and income level.
Specialized Insurance Agencies
Expert advisors for Swiss health insurance
Expat-Savvy
Specialized insurance advisory for expats with deep knowledge of Swiss health insurance landscape.
Get Expert Insurance Guidance
Connect with specialized insurance advisors who understand Swiss health insurance inside and out.