Mandatory Health Insurance (KVG): Who Qualifies and What You Get
Learn about your mandatory health insurance requirements in Switzerland, including coverage details and how to manage your monthly costs.
This is a compulsory insurance program that ensures every resident in Switzerland has access to essential medical care through a standardized system.
Who it's for
This scheme is mandatory for all residents. If you are living in Switzerland, you are required to participate in this insurance system to ensure you have access to necessary medical services.
What you get
You receive basic coverage for medical care. This coverage is designed to provide a standard level of protection for your healthcare needs, ensuring that essential medical services are available to you as a resident.
What it costs you
There are two primary financial components to this insurance. First, you must pay regular monthly premiums to your insurance provider. Second, you are responsible for an annual deductible, which is known locally as a Franchise. This is the amount you pay toward your medical expenses each year before the insurance coverage begins to pay for your costs.
The catch to know
It is important to understand that your monthly premiums are not income-dependent; the amount you pay is not based on how much money you earn. Because these costs are fixed, people with lower incomes may find it helpful to apply for a premium reduction, known locally as Prämienverbilligung, to help offset the expense.
How to apply
- Choose a health insurance provider, known locally as a Krankenkasse.
- Select a plan that provides the mandatory basic coverage for medical care.
- Register with your chosen provider to establish your insurance.
- If you have a low income and need help with costs, check the official portal to apply for a premium reduction (Prämienverbilligung).