Basic Health Insurance
Understanding mandatory health insurance coverage in Switzerland
Basic Health Insurance in Switzerland
Basic health insurance is mandatory for all residents in Switzerland. It provides essential medical coverage and is regulated by the Federal Health Insurance Act (KVG). All insurance providers must offer the same basic benefits, but premiums can vary significantly.
Find the Right Basic Insurance Plan
Compare basic health insurance options to find the best premium rates and coverage for your needs.
What is Basic Health Insurance?
Basic health insurance covers essential medical treatments and services that are medically necessary. It is designed to ensure that all residents have access to quality healthcare regardless of their financial situation.
Key Features
- Mandatory for all residents
- Same benefits across all providers
- Community-rated premiums
- No health screening required
- Cannot be denied coverage
What Does Basic Insurance Cover?
Basic health insurance provides comprehensive coverage for essential medical services, ensuring you have access to necessary healthcare when you need it.
Medical Care
Coverage for outpatient medical services and treatments.
Hospitalization
Coverage for inpatient hospital care and surgical procedures.
Understanding the Cost Structure
Basic health insurance costs consist of several components that determine your total healthcare expenses.
Monthly Premium
The monthly premium is the amount you pay to your insurance provider for basic coverage. Premiums vary by canton, age, and insurance provider.
Annual Deductible
The deductible is the amount you must pay for medical services before your insurance starts covering costs. You can choose between CHF 300 and CHF 2,500.
Co-Payment
After meeting your deductible, you pay 10% of medical costs up to a maximum of CHF 700 per year for adults and CHF 350 for children.
Important Considerations
When choosing and using basic health insurance, there are several important factors to keep in mind.
Your Obligations
As a policyholder, you have certain responsibilities to maintain your coverage.
Switching Insurance Providers
You can switch your basic insurance provider annually, but there are specific deadlines and requirements.