LAMal / KVG Basic Insurance: Who Qualifies and What You Get
Learn about mandatory basic health insurance in Switzerland, including coverage details, monthly costs, and how deductible levels work.
This is the mandatory basic health insurance required for everyone living in Switzerland to ensure access to essential medical care.
Who it's for
This scheme is not optional for those living in the country. Every resident in Switzerland is required by law to hold this insurance to ensure that the population has access to standardized medical services.
What you get
You receive coverage for standardized medical care. This insurance is designed to provide a fundamental level of healthcare services, ensuring that residents can access necessary medical treatments and professional care through the healthcare system.
What it costs you
There are three main components to the cost of this insurance. First, you must pay a fixed monthly premium to your private health insurer. Second, you are responsible for a deductible (known locally as a Franchise), which is a set amount you must pay for medical expenses before the insurance starts covering costs. Third, you may have to pay a copayment (known locally as a Selbstbehalt) for certain services.
The catch to know
While you can choose different coverage structures, you do not have total flexibility to change your plan at any time. Specifically, changing your deductible level (your Franchise) is only possible once a year. You must plan your health budget carefully around this annual window.
How to apply
- Research the various private health insurers operating in Switzerland.
- Compare the different premium rates and deductible options available.
- Select the insurance provider and plan that best suits your financial situation and medical requirements.
- Contact a private health insurer to complete the enrollment process and provide your residency details.