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New to Switzerland: Health Insurance Setup Guide 2025

Last updated: August 2025

Swiss health insurance setup guide: 3-month mandatory registration, choose model (Standard/HMO/Family Doctor/Telmed), set deductible CHF 300-2500, check accident coverage, complete 7-step process with expert guidance
Kurzfazit 2025

Anmeldung innerhalb von 3 Monaten nach Ankunft obligatorisch. Modell wählen (Standard/Hausarzt/HMO/Telmed), Franchise festlegen (CHF 300–2500), Unfalldeckung durch Arbeitgeber prüfen. Wir begleiten Sie durch den gesamten Anmeldeprozess und bieten kostenlose Beratung.

3
Monate Anmeldefrist
4
Versicherungsmodelle
25%
Mögliche Ersparnis
60+
Versicherungsanbieter

Kostenlose Expertenberatung – Jetzt Termin sichern

Über 20 Jahre Erfahrung • FINMA-lizenziert • Unabhängige Beratung • Kostenloser Service auch nach der Anmeldung

📞 +41 76 364 88 88

Your Step-by-Step Guide to Swiss Health Insurance

Why This Guide Matters

Moving to Switzerland means navigating one of the world's most comprehensive healthcare systems. This guide ensures you meet all legal requirements while choosing the best coverage for your needs and budget.

3
Months to register
60+
Insurance providers
25%
Potential savings

The 7-Step Registration Process

1

Before Arrival: Research & Prepare

Start your research before moving to Switzerland. Understanding your options early helps you make informed decisions once you arrive.

  • • Research major insurance providers (Helsana, CSS, SWICA)
  • • Understand different insurance models
  • • Prepare required documents (passport, residence permit, employment contract)
  • • Consider your healthcare needs and budget
2

Week 1-2: Register with Authorities

Your first priority is registering with local authorities. This establishes your legal residence and starts your 3-month insurance registration clock.

  • • Register at your local Einwohnermeldeamt/Contrôle des habitants
  • • Obtain your residence confirmation (Anmeldebescheinigung)
  • • Open a Swiss bank account if needed
  • • Get initial quotes from 3-5 insurance providers
3

Week 3-4: Choose Your Insurance Model

Swiss health insurance offers different models that can significantly reduce your premiums. Choose based on your healthcare preferences and budget.

Standard Model

Free choice of doctors and specialists

Best for: Those who value maximum flexibility

Family Doctor Model

First contact through chosen family doctor

Savings: 15-20% | Best for: Those comfortable with referral system

HMO Model

Treatment through medical centers

Savings: 20-25% | Best for: Urban residents near HMO centers

Telmed Model

Phone consultation before treatment

Savings: 15-25% | Best for: Tech-savvy individuals

Need Personal Advice?

Every situation is unique. Get personalized advice from our Swiss insurance experts.

Call Now: +41 76 364 88 88

Frequently Asked Questions

Is health insurance mandatory in Switzerland?
Yes, basic health insurance is mandatory for all residents. You must sign up within 3 months of arrival or face penalties.
What happens if I miss the registration deadline?
You'll be automatically assigned to an insurer by cantonal authorities and may face penalties. You can still choose your provider afterward during the annual switching period.
Can I change my deductible during the year?
No, you can only change your deductible once per year when switching providers or renewing your contract for the following year.
Do I need accident insurance?
If you work more than 8 hours per week, your employer provides accident insurance. Otherwise, you need to include it in your health insurance.