Swiss health insurance,
made simple for newcomers.

Yes. Basic health insurance under LAMal/KVG is mandatory for every person living in Switzerland - adults, children and newborns alike. You must sign up within three months of registering at your commune. Cover is then backdated to your arrival date, so there is no gap.

Three months from the day you register your residence at your commune. Miss it and the canton assigns you to an insurer automatically, back-charges the missed premiums, and you lose the chance to pick the cheapest compliant plan for your situation.

Basic (LAMal/KVG) premiums depend on your canton, age, insurer, chosen model and franchise. For 2026 the average adult pays CHF 465.30 a month, young adults aged 19-25 CHF 326.30 and children CHF 122.50. Where you live matters enormously: the cantonal average runs from CHF 264.50 in Zug to CHF 501.50 in Ticino - a spread of more than CHF 230 a month. Use the calculator above to see the exact range for your postcode.

Basic cover is identical by law at every insurer - they must accept you and cannot exclude pre-existing conditions. Supplemental VVG is optional and covers extras such as semi-private or private hospital rooms, dental, alternative medicine and worldwide travel. VVG insurers can refuse applicants based on health, so applying while young and healthy makes it easier and cheaper.

Adults pick between CHF 300 and CHF 2'500. Higher franchise = lower monthly premium but more out of pocket before the insurer pays. A high franchise usually pays off only for healthy adults with almost no expected treatment. For families, chronic conditions or planned care, the CHF 300 franchise is normally cheaper over the year.

Almost never. Switzerland requires a Swiss LAMal/KVG contract. Narrow exemptions exist for short-term postings, cross-border commuters, students and some EU/EFTA constellations and require a formal request to your canton, usually within three months of arrival. If you think one might apply to you, talk to us early - the window is short and it does not reopen.

Usually, yes. Personal liability cover is not legally required, but nearly every Swiss landlord asks for proof of it before handing over the keys, and household contents insurance is normally bought alongside it. If you are insuring a family, life cover is worth a conversation. We handle all of it in the same appointment.

You share a few basics - postcode, age, franchise. We run an independent comparison across the Swiss insurers licensed in your canton, filter for what actually matters for expats, and send you the cheapest plans that match your situation, with the exact plan codes. Neither the comparison nor the follow-up consultation costs you anything, and neither is binding. If you eventually enrol through us, the insurer pays a regulated brokerage fee - never you.