Family members of students and researchers can be insured in the new state insurance plan that Swisscare offers with the company Santias, leading company in State insurance. The coverage is the basic insurance is Switzerland compulsory for all people living and working in Switzerland.

Coverage information : click here

Spouse (M / F) 

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Spouse can choose between different franchise (deductible). The franchise is the participation of the insured before the insurance company starts to reclaim the medical bills.

The Swiss health insurance law offers this possibilities from 18 yo :

• CHF 300
• CHF 500
• CHF 1000
• CHF 1500
• CHF 2500

If you choose a cheaper franchise (eg 300), the premium is higher. If you choose higher franchise (eg 2500), the premium is cheaper.

For example for the canton of Zürich (spouse M born in 1977 including accident)

Franchise CHF 300   |  premium CHF 265.00 / month
Franchise CHF 1000 |  premium CHF 231.90 / month
Franchise CHF 2500 |  premium CHF 177.30 / month

The criterias for calculating the premium depends of :

• age
• gender
• your location

If a spouse dont work, the accident is compulsorily in the state insurance plan.

Childreens (M / F)

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Childreens can choose between different franchise (deductible). The franchise is the participation of the insured before the insurance company starts to reclaim the medical bills.

The Swiss health insurance law offers this possibilities from 18 yo :

• CHF 0
• CHF 100
• CHF 200
• CHF 300
• CHF 400
• CHF 500

Usually, parents applies the state insurance for childreens without deductible. In fact the premium is already very low.

For example for the canton of Zürich (child M born in 2008)

Franchise CHF 0    |  premium CHF 66.30 / month
Franchise CHF 300|  premium CHF 53.90 / month
Franchise CHF 500|  premium CHF 44.40 / month

Accident is compulsory for childreens.