Mandatory Health Insurance (KVG/LAMal): Who Qualifies and What You Get
Learn about Switzerland's mandatory health insurance, including how coverage works and how choosing a deductible affects your monthly costs.
This is a compulsory health insurance system designed to ensure that every resident in Switzerland has access to essential medical care.
Who it's for
This scheme is required for everyone who lives in Switzerland for more than three months.
What you get
You receive basic medical coverage that includes doctor visits, stays in a hospital, and essential medication.
What it costs you
You must pay monthly premiums to an insurer, and the cost depends on which provider you choose and the deductible you select. You are required to choose a provider within three months of arriving in the country.
The catch to know
You must choose a "Franchise," which is a deductible amount you pay out-of-pocket for medical expenses before the insurance starts covering the costs. Choosing a higher deductible will lower your monthly premiums, but it means you will face higher costs if you need medical care.
How to apply
- Research different insurance providers to compare monthly costs.
- Choose a provider and a deductible level that fits your budget and health needs.
- Complete the enrollment process with your chosen insurer.
- Ensure you are registered within three months of your arrival.
For more information, visit the official portal: https://www.bag.admin.ch