Techniker Krankenkasse
What Cross-Border Commuters Need to Know About Health Insurance
If you live abroad and work in Switzerland, you must sign up for insurance with a Swiss provider, with a deadline of up to three months to provide proof. Cross-border commuters from Germany enjoy the right to choose their insurance. If you were previously insured with Techniker Krankenkasse, you can maintain your coverage under certain conditions.
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Health Insurance for Cross-Border Commuters
Insurance in Switzerland is mandatory for cross-border commuters, but there are exceptions for individuals from neighboring countries like Germany, Italy, France, and Austria. These individuals can keep their insurance in their home country. To be exempted from the obligation in Switzerland, you must submit an application within three months to the relevant authority in the canton where you work.
Special Regulation for Workers from Neighboring Countries
- Submit application within three months to the relevant authority
- Apply in the canton where you work
- Present valid insurance proof if switching from German to Swiss insurance
- Receive E106 form when choosing a Swiss insurer
- Pay full contributions for Swiss health insurance yourself
To be exempted from health insurance obligations in Switzerland, it's necessary to apply within three months at the relevant authority in the working canton. This also applies if you wish to switch from German to Swiss health insurance.
How Do German and Swiss Health Insurances Differ?
As a member of a Swiss health insurance, you fully cover the contributions yourself, without deductions by the employer. The scope of basic insurance in Switzerland differs from that in Germany, especially regarding dental treatments and dental hygiene, which are less covered.
Contributions
You fully cover the contributions yourself, without deductions by the employer.
Coverage Differences
The scope of basic insurance differs from Germany, especially regarding dental treatments and dental hygiene, which are less covered.
Cost Participation
Cost participation in Swiss basic insurance includes an annual franchise and a deductible. With an annual franchise of 300 francs, which can be increased, you contribute to the costs.
Costs exceeding the franchise are covered by the insurance, with you bearing up to ten percent, capped at 700 francs for adults and 350 francs for children.
Important Considerations for Cross-Border Commuters
Application Deadlines
To be exempted from the obligation in Switzerland, you must submit an application within three months to the relevant authority in the canton where you work.
Missing the deadline can result in mandatory Swiss insurance coverage.
Required Documentation
In such cases, you must present a valid insurance proof within the same period. When choosing a Swiss insurer, you will receive the E106 form.
The E106 form can be submitted to any health insurance in your country of residence to also receive medical services there.
Important Notice
Comparing health insurances for cross-border commuters can be worthwhile, as contributions and services may vary. The supplementary insurance, necessary for certain services, should also be considered. We are happy to assist you in finding the optimal insurance solution.