Mandatory Health Insurance (LAMal): Who Qualifies and What You Get
Learn how the mandatory health insurance system in Switzerland works, including how monthly premiums and deductibles affect your costs.
In Switzerland, all residents are required by law to have health insurance to cover their basic medical needs.
Who it's for
This scheme is mandatory for all residents living in the country.
What you get
You receive coverage for basic medical care. This ensures that you have access to essential healthcare services when needed.
What it costs you
You will pay a monthly premium to your insurance provider. In addition to these regular payments, you are responsible for a deductible (known locally as a franchise) and a co-payment (known as a quote-part) for medical services.
The catch to know
You must choose a deductible level for your plan. Choosing a higher deductible will lower your monthly premium payments, but it means you will have to pay more out of your own pocket if you require medical care.
How to apply
- Compare different private health insurance providers.
- Select a plan and a deductible level that fits your budget and health needs.
- Sign up with your chosen insurance company.
- Check the official portal for more information on subsidies.