With its stunning scenery, booming economy, and high quality of life, it’s no wonder Switzerland is a popular choice for expats.
If you’re thinking of moving out here or exploring on an extended visit, understanding the healthcare system and having the right health insurance in Switzerland is essential to taking care of all your medical needs ahead of your Swiss adventure.
Swiss healthcare is privatised and universally available. Having health insurance is compulsory for all residents and non-residents. There isn’t a publicly funded or free service healthcare in the country.
Pros and cons of using Switzerland’s public health system
| Public | Private |
|---|---|
| Paid for via contributions to treatment or consultation costs. | Legal requirement. All residents must have private healthcare to cover treatment costs. |
| World-class standards of care but need private insurance to use facilities. | National health insurance doesn’t cover all medical issues, so make sure you check what your package includes. |
Having international health insurance in Switzerland gives you peace of mind in knowing that your medical costs will be covered if you find yourself in need of care.
You can pick supplementary health insurance policies to suit your needs, as not all basic policies will cover every service. Check your policy information for more details on what is and isn’t covered.
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The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Available additional modules:Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Available additional modules:Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Available additional modules:An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.
Available additional modules:
Yes. You must have some form of health insurance in Switzerland if you’re planning to move here permanently or on a working visa for three months or more. You can choose your own provider and level of cover, but you must have something in place to help cover the cost of your healthcare.
Without health insurance, you’re not covered for any medical care. The only exceptions to this are:
• Pensioners drawing exclusively in an EU or EFTA state.
• Cross-border workers with international insurance coverage.
• Students who are temporary residents and have comparable insurance in their home nation.
• People working for international organisations, embassies, or consulates.
We can usually arrange to pay your doctor, hospital or medical professional directly. In some cases, you may need to cover the cost upfront, or at least the minimum amount, and we’ll reimburse you.
Our core packages cover most basic outpatient costs, like treatment rooms and surgeon fees.
However, some uncommon forms of treatment or service may only be covered by our various add-ons and additional packages. Contact our Customer Care Team for more information.