Health Insurance System in Switzerland – Brief Information
Health insurance in Switzerland is mandatory for everyone living in the country (Assurance maladie / Krankenversicherung). People moving to Switzerland are required to obtain basic health insurance within 3 months at the latest.
Mandatory Basic Health Insurance
(Assurance obligatoire des soins – LAMal / Obligatorische Krankenpflegeversicherung – KVG) is defined by law and offers the same coverage in all insurance companies.
It basically covers:
Doctor consultations
Hospital treatments (within the canton)
Emergency situations
Pregnancy and childbirth
Prescription drugs
Deductible and Co-payment
Annual deductible (Franchise / Franchise): 300 – 2,500 CHF
10% co-payment (Quote-part / Selbstbehalt) after the deductible is exceeded
As the deductible increases, the monthly premium (Prime mensuelle / Monatliche Prämie) decreases.
Insurance Models
While the service coverage is the same, different models are available:
Standard model (Modèle standard / Standardmodell)
Family doctor model (Médecin de famille / Hausarztmodell)
HMO model (Modèle HMO / HMO-Modell)
Telmed model (Modèle Telmed / Telmed-Modell)
Alternative models are generally more economical.
Supplementary Insurance (Optional)
Supplementary insurances (Assurance complémentaire / Zusatzversicherung) may cover additional services such as dental treatment, private hospital room, or treatments abroad.
More Information and Consultancy
The Swiss health insurance system may vary according to personal situations and cantons (Canton / Kanton). For more detailed and personalized information, you can receive professional consultancy services from our member businesses in the canton where you reside at Swissturknet.ch.
As Swissturknet.ch, we continue to support the Turkish community living in Switzerland with reliable information and accurate guidance.