Swiss national healthcare system | health insurance
Healthcare system in Switzerland
The healthcare system in Switzerland is regulated by the Federal Health Insurance Act of 1994.
Health insurance is compulsory for all persons residing in Switzerland (within three months of taking up residence or being born in the country).
The healthcare system is standardly named in Switzerland BASIC HEALTH INSURANCE and regulated by a state health insurance law named KVG - LAMal.
Swiss nationals or foreigner in Switzerland
Are you a Swiss national, a foreigner with residency in Switzerland or planning to live in Switzerland, then request online a free offer here for the Swiss compulsory national health insurance scheme KVG-LAmal.
Foreign students, researches, interns, PHD, postdocs, au pairs, trainees...
Are you a foreign student or researcher living temporarily in Switzerland, then apply online in 3 minutes, the famous FSS plan that is currently the most popular in Switzerland. From only CHF 72 | month, you can benefit at the minimum of the same services as the Swiss national compulsory healthcare scheme KVG-LAMal with an international plan that is recognized by the cantonal health authorities.
The cover of the compulsory Swiss national healthcare is the same for all.
Health insurance covers the costs of medical treatment and hospitalisation of the insured including maternity. However, the insured person pays part of the cost of treatment.
This is done :
a) by means of an annual excess (or deductible, called the franchise), which ranges from CHF 300 to a maximum of CHF 2,500 as chosen by the insured person (premiums are adjusted accordingly)
b) by a charge of 10% of the costs over and above the excess up to a stop-loss amount of CHF 700.
Premiums & criteria
The insured pays the insurance premium for the basic plan up to 8% of their personal income. If a premium is higher than this, then the government gives the insured a cash subsidy to pay for any additional premium.
Insurance premiums are calculated thanks different criteria :
- the age
- the excess level chosen (franchise)
- the place of residence
