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Moving to Switzerland
How does that work?
If you have recently moved to Switzerland or would like to do so, you need compulsory health insurance. We can help you find the right health insurance. Using a health insurance comparison, you can compare all the leading health insurance companies in your region to find the best solution.
The numerous offers and services provided by health insurance companies in Switzerland make it increasingly difficult for Swiss citizens to find the best health insurance. As a result, it is becoming increasingly common for people to be incorrectly insured. In some cases, this involves overinsurance, underinsurance or double insurance, or simply cover that does not correspond to the current life situation.
To prevent such insurance gaps from arising, we have specialized in comparing all health insurance benefits and premiums. This enables us to find the optimum insurance cover for our clients. In doing so, we only use the benefits that meet the needs and wishes of our customers. This is how we guarantee you the best possible health insurance.
We offer the entire service 100% free of charge and without obligation and of course free of hidden costs.
As a rule, a comparison can result in annual savings of between CHF 200 and CHF 4,000, depending on the region and company.
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What to look out for when choosing your health insurance before and after moving to Switzerland
Have you recently moved to Switzerland and are looking for health insurance? krankenkassen-vergleich.ch will help you find your way around and explain the specific features of the Swiss healthcare system.
What to look out for when choosing your health insurance before and after moving to Switzerland
Tips and information - What should I look out for?
1 The basic principle of health insurance in Switzerland
The principle of health insurance in Switzerland is very similar to that in Austria or Germany. Health insurance is compulsory. You must have health insurance cover no later than three months after moving to Switzerland.
Basic insurance covers the following areas:
- Illness
- Pregnancy
- Accident
2 How high are the costs of health insurance in Switzerland?
The amount of your premium depends on several factors. As a rule, the place of residence (city or country) is relevant to the premium, as well as the age, the insurance model, the deductible (called "franchise" in Switzerland) and the chosen insurer.
It is difficult to maintain an overview. We can help you compare health insurance companies.
If you are a cross-border commuter and only work in Switzerland but remain resident in Germany or Austria, you can generally stay with your existing health insurance.
With the free health insurance comparison you can calculate the various offers and compare them without obligation.
3. tips for savers
If you want to save some money on health insurance, the Swiss model offers many options. Some health insurance companies offer savings models that are not dissimilar to those in Germany or Austria. - For example, Telmed, HMOor family doctor models. Here you can get a discount of up to 25 % without any huge outlay. With the Telmed models, you make greater use of online healthcare services; with the GP model, you first go to your GP, who then refers you to a specialist if necessary.
Further discounts can be achieved by increasing the deductible amount or the excess. Low earners are also entitled to discounts on health insurance.
If your employer has already insured you against accidents, you can waive this insurance cover with your private health insurance and save even more money. If you want to compare health insurance companies, you've come to the right place.
However, it is important to note that your health insurance premium depends on your place of residence in Switzerland. It may therefore be worthwhile to travel a few extra kilometers to work.
Krankenkassen-Vergleich.ch compares all current tariffs and helps you to find the combination that suits you and your needs and is the most financially viable for you.
In Switzerland, the per capita premium applies, which differs from the system in Germany in that each member of a family is charged. This means that for a family of four, two premiums are due for adults and two premiums for children.
4 What are the legal requirements for health insurance in Switzerland?
Basic health insurance is compulsory for everyone who lives in Switzerland. Nevertheless, it is worth comparing health insurance companies.
If you work more than eight hours a week for your employer, you are insured against accidents through your employer and do not have to take out private accident insurance.
Accident insurance cover applies to all private and professional accidents.
Self-employed persons and freelancers must take out private accident insurance either through a health insurance company or an accident insurer; this regulation also applies to children.
Comparing the offers of the various health insurance companies takes time, energy and nerves. We can do most of this work for you and filter out the absolutely unsuitable offers from the outset. It couldn't be simpler.
5. cost sharing and deductible
There are huge differences here compared to health insurance in Germany. While in Germany you only have to pay for certain additional services out of your own pocket, in Switzerland you generally have a basic amount that you have to pay yourself.
The higher this deductible is, the lower your insurance premiums will be.
The excess, known as the deductible, is at least 300 francs for adults; there is no minimum amount for children. You must pay this CHF 300 in any case before the health insurance company will cover the costs of doctors, treatment and medication. The higher the deductible you choose, the lower your health insurance contributions will be. Someone who is healthy and who is not expected to incur high costs for medication or visits to the doctor can save a lot of money here. However, this requires a certain willingness to take risks.
Of course, deductibles can also be taken out for children. Here too, a risk assessment is absolutely sensible and must be carefully considered. Adults can take out deductibles of up to CHF 2500.
However, this is only worthwhile if you are able to pay up to 3200 francs in one go and claim less than 2000 francs in benefits subject to basic insurance. Everyone else is more likely to benefit from the deductible of CHF 300.
If the deductible is exhausted, you continue to pay 10% of the costs incurred yourself - up to an amount of CHF 700. For children, this amount is capped at CHF 350; if you have several children, the maximum amount is CHF 1,000.
6. health insurance for children in Switzerland
Family insurance as in Germany does not exist in Switzerland. It is therefore not unusual for father, mother and children to have health insurance with different insurance companies.
Many insurers offer attractive discounts for children and young adults (19 - 25 years). However, you should always make sure you have good dental cover. Compare the rates and get an offer that meets your needs.
Babies and unborn babies can also be insured in Switzerland; they must be insured from the age of three months. And yes, you can insure your child before birth. Many health insurers waive the need for a health check of the child in these cases.
Useful additional information: children pay a lower premium for basic insurance. Some insurers even offer further discounts for siblings. A health insurance comparison is worthwhile for you in any case, given the vast number of tariff options.
7 Conclusion: A system similar to private health insurance in Germany
As you can see, the health insurance system in Switzerland is roughly comparable to the private health insurance system in Germany. There is basic cover, but you have to pay for extra services. That's why you shouldn't miss out on using our tariff calculator to find the best package for you. Completely free of charge and without obligation. The time you invest will pay off in the truest sense of the word.
Frequently asked questions
Health insurance is compulsory in Switzerland. After all, you want to be covered in the event of an emergency and have access to medical care. It is not always clear who is eligible for which health insurance. In addition, health insurance should not be a burden on the wallet. For this reason, it is worth comparing health insurance companies and switching health insurance providers. You can find the most important information below.
What is basic insurance?
Compulsory basic insurance
In Switzerland, it is compulsory to take out basic insurance. The term basic insurance refers to the basic insurance cover prescribed by the health insurance companies. All residents of Switzerland must have this.
This is why this type of insurance is also known as"compulsory basic insurance" or OKP. Insurance cover starts from the birth of a child. For this reason, parents should register their child before the birth. This means that the time between the birth and the visit to the authorities, which is hectic for many parents, is also included in the insurance cover.
If parents allow this period to elapse, protection cannot be claimed retroactively. The registration deadline is three months. People who are planning to move to Switzerland should also observe this deadline. Basic insurance is also compulsory for you.
Which age groups are covered by basic insurance?
The age groups of basic insurance
Compulsory basic insurance is divided into three age groups:
- Children up to 18 years
- Young adults from 19 to 25 years
- Adults aged 26 and over
The age groups determine the health insurance premiums. Children, for example, receive favorable premiums. This also applies to young adults up to the age of 25. However, health insurance companies are not obliged to reduce premiums for young adults. The principle of age groups does not apply to supplementary insurance.
Is switching health insurance worthwhile?
Comparison of premiums
Health insurance companies offer premiums for basic insurance. For this reason, it may be worth switching health insurance providers to save money in the long term. Before making this decision, however, you should compare the various health insurance companies.
A health insurance comparison should be carried out annually, as health insurance companies revise their premiums every year. It is also worth comparing health insurance companies when you start a new phase in your life, for example when you start a new job.
As health insurance premiums vary from canton to canton, you can also compare health insurance companies if you move to another canton. It may well be that you come across a health insurance company with a cheaper premium.
How high are basic insurance and premiums?
The calculation of the premium
There is no specific procedure for calculating basic insurance. Rather, the premiums for basic insurance are calculated in relation to the costs of the previous year.
The level of costs and expenditure of the health insurance company therefore plays a decisive role in the calculation of premiums. The health insurance companies do not issue their own invoices, but the Federal Office of Public Health (FOPH) takes on this task.
This results in a new premium amount every year.
Can premiums be saved by switching health insurance companies?
There are many possibilities
... to save on premiums. Of course, choosing the right health insurance company is the easiest way to save on premiums. This is only possible if you make a health insurance comparison. It is also advantageous to change your deductible.
This fixed amount, also known as the deductible, is the annual fixed amount that insured persons must pay towards the cost of treatment. It amounts to a minimum of CHF 300 and a maximum of CHF 2,500. There are many differences between health insurance companies.
Not all health insurance companies offer all options. To be on the safe side, it's worth comparing health insurance companies that match your own wishes.
What do the basic insurance models look like?
There are many basic insurance models. All health insurance companies offer other options in addition to the standard model.
Free choice of doctor:
The free choice of which doctor you are treated by is part of the standard principle of basic insurance. This means that insured persons can consult the doctor of their choice in their canton. This applies not only to a treating doctor but also to a doctor specializing in a particular field.
The family doctor model:
If you are part of the GP model, you can't just consult any doctor. This means that you have to choose a doctor. This doctor monitors the treatment and decides on the subsequent treatment steps. In emergencies, patients are free to choose who they seek medical help from.
The HMO model
The HMO model is similar to the family doctor model. The difference is that patients are not tied to a family doctor, but to an HMO doctor. Various doctors work together in an HMO center. Patients can contact the HMO doctor directly. This doctor coordinates the further treatment steps. If necessary, patients are referred to specialists from other fields within and outside the HMO center. This avoids many expensive and unnecessary treatment steps. Insured persons also benefit from this and receive lower premiums. Patients enjoy a free choice of doctor within the HMO area.
The telemedicine model
The telemedicine model is a telephone medical call service. In Switzerland, patients have the opportunity to ask questions about their health in a telephone consultation. The advice center is staffed by medical personnel and can provide an initial assessment and recommendation. Patients can also be referred to a doctor or directly to hospital. Here, too, there is no obligation to contact the advice center in the event of an emergency.
In addition to the models mentioned, there are also health insurance companies that specify the hospital. In addition, there may be a provision to collect the medication from a specific pharmacy.
How high are the premiums for the telemedicine model?
Most health insurance companies offer reduced premiums for the telemedicine model. As a telephone consultation involves less effort than a visit to the doctor, the premiums are significantly lower. In this case, too, it is worth comparing health insurance companies and switching.
What is supplementary insurance?
Supplementary insurance is part of the all-round insurance package. It is tailored to the individual needs of the insurance carrier. For example, anyone who travels a lot will benefit from travel insurance. Supplementary insurance serves its own benefits independently of basic insurance and is not compulsory.
How does the health insurance change process work?
Before you can switch to another health insurance company, you must cancel your current health insurance. The notice period must be observed. With compulsory basic insurance, you can always switch on January 1 of a year. The notice period is one month. This means that the letter of termination must be received in writing by the previous health insurance company by November 30 of a calendar year.
Exception to the deadline
There are also exceptions that are excluded from this deadline. Anyone who is insured under the standard model of basic insurance and has a free choice of doctor can also terminate their contract on July 1 of a year. However, this only applies to insured persons with a deductible of at least CHF 300. The notice period is three months.
When terminating supplementary insurance policies, a notice period of three to six months must be observed. This can always be done at the end of the year. Supplementary insurance policies are valid for one to five years. As soon as the new insurance company sends confirmation, you can terminate the previous insurance relationship.
Who is entitled to lower health insurance premiums?
The premium reduction
Insured persons can pay lower health insurance premiums thanks to a premium reduction. Part of the premiums are paid by the canton of residence and the federal government. This applies in particular to people with a low income.
The tax return with the amount of taxed income provides information on this. The health insurance fund then calculates a difference. The tax assessment notices from previous years are therefore relevant for the application. The tax data is automatically checked by the canton and the insured person receives a notification of the lower health insurance premiums. In certain cases, this check may not take place.
Which health insurance company is the cheapest?
Health insurance companies tailor their service to the age, place of residence and circumstances of the individual insured person. This means that the choice of health insurance is individually tailored. The health insurance comparison provides information on which health insurance company is best value for money.
What happens to adult children?
The age step
When children grow up and become independent, they may decide to pay their own health insurance premiums. In this case, too, it is worth comparing health insurance companies. This results in either a termination of the current health insurance or an adjustment of the health insurance premiums. A written notification to the health insurance company is sufficient.
A health insurance comparison is always worthwhile when life circumstances change. This includes, for example, moving to another canton or starting a new job. Nevertheless, insured persons can compare health insurance companies every year. Find the cheapest health insurance company by carrying out a health insurance comparison.
How are health insurance premiums calculated?
Every year again
The Swiss Federal Office of Public Health approves the amount of insurance premiums for policyholders each year. These premiums are calculated on the basis of the calculated costs. This procedure guarantees that costs are covered and provides planning security so that sufficient reserves are available. Of course, increasing insurance premiums can be annoying, but you don't have to accept the increase without objection.
Instead, as an insured person, you should see the premium increase as an incentive to question the status of your health insurance and change it if necessary. With a health insurance comparison, you can quickly and easily determine whether your premiums are too high compared to other insurers.
Which health insurance company ensures the highest level of customer satisfaction?
The valuation of the cash registers
When comparing health insurance companies, the monthly premium and the benefits offered are not the only criteria that influence the choice of health insurance. The support and service provided by health insurance companies in the event of a claim are also very important to many policyholders. For example, the processing time of your inquiries or the clarity of the information provided. There are various institutes and studies that evaluate health insurance companies in different ways. However, it is very difficult for us to say exactly.
Before comparing health insurance companies, you need to determine your personal needs
Tailored to your personal needs
The right health insurance for you depends first and foremost on your personal needs: you determine which priorities must be met. Our advisors use your requirements as a benchmark for the health insurance comparison. You can then use the health insurance comparison to find out which health insurance company offers the best deal for your needs.
After our advisors have checked the offers from the individual insurers using your details as a basis, they will present you with your options. We will take our time to discuss the results of the health insurance comparison with you. Only then will you decide whether a switch to a cheaper health insurance plan is an option for you.
Smooth processing is part of every health insurance comparison
Although many Swiss people use the calculators offered on the Internet to
health insurance comparison calculators, many Swiss are reluctant to actually switch to another health insurance company.
Changing basic insurance is risk-free and uncomplicated. The law stipulates that you may not be rejected for basic insurance on the grounds of your state of health or your age. Every health insurance company operating in your canton must accept you as a customer.
Once you have decided on a health insurance company after the health insurance comparison, your advisor will help you switch to your new health insurance company. For you, this means that we prepare all the documents, which you check and only need to sign. This means you don't have to deal with any bureaucracy when switching to your new health insurance provider. You are insured continuously and without interruption. There is no risk for you.
When can I switch providers after a health insurance comparison?
A change of basic insurance is usually possible at the end of the calendar year. It is important that the insured person observes the notice period of one month. In special cases (normal tariffs with a deduction of CHF 300 and free choice of doctor), basic insurance can also be terminated as of July 1. In this case, the notice period is 3 months.
How can I save on health insurance?
The most effective way to reduce insurance premiums is to switch to an alternative model. The usual premium discount for basic insurance is up to 25 %. You can also reduce your premiums by increasing your deductibles and switching to another insurance company that is cheaper in your area.
Why a change can be carried out without any problems after a successful comparison;
Together with you, we have found a cheaper provider with the health insurance comparison. You don't need to be afraid of an insurance gap. The new health insurance company is legally obliged to accept you. And if you cancel and the switch is not completed in time, you would automatically continue to be insured with your old health insurance company.
Basic health insurance companies are not allowed to refuse customers on the grounds of age or health problems. This means you can switch easily and without risk.
The professional health insurance comparison for all basic insurance premiums and supplementary insurance from Swiss health insurers. We act as fair advisors for you. Together we will find the best health insurance for your current situation.
Why is a health insurance comparison worthwhile?
Discover potential for optimization
The benefits of compulsory basic health insurance are prescribed by Swiss law and are therefore identical.
and are therefore identical. This guarantees the necessary basic medical care for everyone. A comparison of health insurance companies and a switch to another health insurance company can be worthwhile due to the inconsistent premiums. Premiums vary from canton to canton.
A health insurance comparison is worthwhile for you in any case. Either you can save a lot of money in the future or you can be sure that you are not paying too much for your health insurance. As the benefits of basic insurance do not vary, the cheapest health insurance is usually also the best for you.
Before comparing health insurance companies, you need to determine your personal needs
The right health insurance for you depends first and foremost on your personal needs: you determine which priorities must be met. Our advisors will use your requirements as the basis for the health insurance comparison. You can then use the health insurance comparison to find out which health insurance company offers the best deal for your needs.
After our advisors have checked the offers from the individual insurers using your details as a basis, they will present you with your options. We will take our time to discuss the results of the health insurance comparison with you. Only then will you decide whether a change to a cheaper health insurance is an option for you.
Why take out supplementary insurance?
The health insurance comparison in the supplementary insurance sector
In our professional health insurance comparison, we work with you to determine whether it is worth switching to another health insurance provider.
A health insurance comparison is our everyday practice. Switching to a different supplementary insurance can be particularly worthwhile after a health insurance comparison.
The costs that you have to pay for health insurance cover with supplementary insurance vary depending on the insurance provider. Which is why you may pay more for the same scope of benefits with one provider than with another.
The supplementary insurance
... includes a variety of different benefits as well as large differences in premiums. This is what essentially distinguishes it from basic insurance.
The health insurance companies enjoy much greater freedom in setting the conditions for supplementary insurance than for basic insurance. This is why a health insurance comparison is also very useful in this area. There are no legal requirements regarding the type and scope of benefits or the amount. It is therefore worth taking a close look at these and comparing them.
With our health insurance comparison, together we will find the best supplementary insurance for you.
With our health insurance comparison
Simply and easily switch to a cheaper health insurance company and save money.
A health insurance comparison often shows that the Swiss often pay different premiums for the same services. Health insurance premiums rose again in 2022. It makes sense to compare health insurance companies regularly, as the corresponding increase in premiums depends on the individual health insurance company. How much you have to pay varies greatly and can change every year.
An annual health insurance comparison helps you to find out whether you are paying too much. While a health insurance company had comparatively low premiums in the previous year, it may be one of the most expensive in the following year. From an economic point of view, it is definitely worth switching to another provider.
We can help you find out how much you can save each month by switching to a cheaper health insurance provider.
