Mandatory Basic Insurance: Who Qualifies and What You Get

In Switzerland, all residents are legally required to hold a basic health insurance policy to ensure everyone has access to essential medical care. This coverage is provided through private insurers that are regulated by the FOPH.

👤Who it's for

This requirement applies to all residents living in the country. Whether you are a permanent resident or a newcomer, you must have this insurance to comply with local regulations.

🎁What you get

The scheme provides coverage for essential medical services. This ensures that the core medical needs of residents are met through a standardized level of care provided by the private insurance market.

💰What it costs you

Maintaining this insurance involves two main types of costs. First, you must pay a regular monthly premium to your insurance provider. Second, you are responsible for specific out-of-pocket costs when you seek medical care. These include a deductible, referred to locally as a "Franchise," and an additional co-payment known as "Selbstbehalt."

⚠️The catch to know

One critical aspect of this system is the relationship between your deductible and your monthly bill. You can choose a higher deductible (franchise), such as 2500 CHF, which will lower the amount you pay in monthly premiums. However, the trade-off is that you increase your financial risk, as you will be responsible for paying a larger amount of your own money for medical services before the insurance coverage begins to pay its share.

📝How to apply

1. Research different private insurance providers to see their specific offerings.
2. Compare different deductible levels (franchise) to see how they impact your monthly premiums.
3. Select the insurance plan that best balances your monthly budget with your potential medical risks.
4. Contact your chosen insurer to complete the enrollment process.
5. Visit the official portal for more information: https://www.priminfo.admin.ch