Oblig­a­tion to take out in­sur­ance: Every per­son res­i­dent in Switzer­land must be in­sured by a recog­nised health in­sur­ance com­pany pro­vid­ing basic sick­ness cov­er­age in ac­cor­dance with the Swiss Fed­eral Law on Health In­sur­ance (KVG). The ap­pro­pri­ate mu­nic­i­pal of­fice (Ein­wohn­erkon­trolle) will ex­pect con­fir­ma­tion of your basic in­sur­ance cover within 3 months of ar­rival. For­eign­ers who work for less than 3 months in Switzer­land do not have to be in­sured in the coun­try if they are cov­ered for treat­ment in Switzer­land by an in­sur­ance pol­icy of equal sta­tus.

In the case of cit­i­zens of the EU, Ice­land and Nor­way, who work in Switzer­land, mem­bers of their fam­i­lies not work­ing but domi­ciled in an EU coun­try, Ice­land or Nor­way must also take out health in­sur­ance from a Swiss provider.

Regulations for cross-border commuters.

Ben­e­fits: Com­pul­sory health in­sur­ance (basic sick­ness cover in ac­cor­dance with the Swiss Fed­eral Law) cov­ers sickness, ac­ci­dent and maternity. How­ever, in the case of an accident, the health in­sur­ance only be­comes ef­fec­tive if there is no cover from any other (com­pul­sory or pri­vate) in­sur­ance. It also takes over cer­tain costs for pre­ven­tive med­i­cine. All providers of this basic in­sur­ance must un­der­take to cover the range of ben­e­fits as pre­scribed by law. They are not al­lowed to re­im­burse any fur­ther so-​called "vol­un­tary" ben­e­fits. If ben­e­fits not part of the com­pul­sory in­sur­ance are pro­vided or pre­scribed by a doc­tor or phys­io­ther­a­pist, then he is obliged to in­form the pa­tient ac­cord­ingly.

For more de­tails see link to admin.ch.

Providers: Peo­ple are free to choose their in­surer. Recog­nised in­sur­ers are obliged to in­sure all per­sons re­gard­less of age and state of health un­con­di­tion­ally and with­out wait­ing pe­ri­ods. Com­ple­men­tary cov­er­age can be pur­chased for those who want ad­di­tional cover for spas, al­ter­na­tive med­ica­tion, pri­vate or semi-​private rooms, den­tal treat­ment and so on. Please ask your in­surer for fur­ther de­tails.

For a list of ap­proved in­sur­ers and fur­ther in­for­ma­tion see: link to ch.ch

Pre­mi­ums and Sub­si­dies: Health in­sur­ance com­pa­nies in­crease pre­mi­ums re­gard­less of in­come. Low-​income fam­i­lies can apply for fi­nan­cial as­sis­tance.

Aus­gle­ich­skasse Zug
"Prämienverbilligung"
info@akzug.ch
Tel. +41 41 560 47 00