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Health Insurance (Krankenversicherung / Assurance-maladie)
Switzerland
Last verified: 2026-02-20
Fees, fines, and deadlines are approximate. Always verify with official sources.
Key Registrations & Procedures
Health Insurance (Krankenversicherung / Assurance-maladie)
Deadline: Must arrange within 3 months of registering residence. Coverage is retroactive to arrival date.
Processing Time: Policies can start from your arrival date. Confirmation letter: 1–2 weeks.
Fees: Monthly premiums: CHF 250–600+ depending on canton, age, and deductible. Compare at priminfo.admin.ch. Franchise (deductible): CHF 300–2,500/year.
Appointment: No appointment — sign up online or by phone with any approved insurer.
Required Documents:
- Residence permit or confirmation of registration
- Passport or ID card
- Swiss address
Where to Do It:
Choose any approved insurer. Compare all premiums at the official government tool: priminfo.admin.ch. Major insurers: CSS, Swica, Helsana, Concordia, Assura. Sign up online or by phone.
If You Don't Do It:
If you don't choose within 3 months, the canton assigns you an insurer — usually at the highest premium. A 50% surcharge may be added. Health insurance is MANDATORY in Switzerland for all residents, no exceptions.
Regional Variations: Premiums vary dramatically by canton — Appenzell Innerrhoden can be half the cost of Geneva. Always compare on priminfo.admin.ch for your specific canton.
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