Which health insurance is the right one?

There is no general answer to this question because it depends, among other things, on your life circumstances and your wishes. Do you live in Germany and work in Switzerland, or have you decided to move to Switzerland? It would help if you had health insurance. Still, the rules for cross-border commuters are entirely different from those for emigrants.

What you need

In principle, you are required to have health insurance in Switzerland. Registration is mandatory if you:

  • live in Switzerland
  • have immigrated to Switzerland

What is certain is that as an immigrant in Switzerland, you must have primary insurance. Border crossers have further options. However, suppose you decide to take out a German insurance policy, for example. In that case, you must be exempted from compulsory insurance in Switzerland. Suppose you do not complete and submit this form. In that case, you will automatically be insured in Switzerland after three months at the latest.

What you can do

Cross-border commuters have the option of remaining insured in Germany. You can choose between three insurance options:

  • Basic Insurance in Switzerland (KVG)
  • Statutory Health Insurance in Germany (GVK)
  • Private health insurance in Germany (PKV)

The decisive factor is which insurance is the right one for you. In the following chapters, you will find answers to many questions. We explain the differences, show you the possibilities and give you essential tips to save a lot of money and time in the short and long term, and cover the most critical risks. If you still have open questions and would like advice, please do not hesitate to contact us.


Immigrants / resident

Would you like to immigrate to Switzerland or are you already resident? Here you will find the most important information for you.

Health insurance for immigrants

Grenzgänger

Sie leben in Deutschland und möchten als Grenzgänger in der Schweiz arbeiten? Hier finden Sie die für Sie wichtigsten Informationen.

Krankenversicherung Grenzgänger


Compare premiums

All bonuses can vary greatly depending on the insurer, franchise and benefits. To receive your personal offer, select the canton and click Offer.

Canton

Aargau

from 193.40 CHF

Appenzell In.

from 160.10 CHF

Appenzell Au.

from 170.20 CHF

Basel-City

from 285.50 CHF

Basel-Land

from 222.60 CHF

Bern

from 222.20 CHF

Freiburg

from 238.80 CHF

Geneva

from 309.40 CHF

Glarus

from 186.70 CHF

Grisons

from 197.50 CHF

Jura

from 248.20 CHF

Lucerne

from 197.10 CHF

Neuenburg

from 265.90 CHF

Nidwalden

from 163.40 CHF

Obwalden

from 168.00 CHF

St. Gallen

from 187.40 CHF

Schaffhausen

from 199.70 CHF

Solothurn

from 199.00 CHF

Schwyz

from 175.90 CHF

Thurgau

from 176.40 CHF

Tessin

from 234.10 CHF

Uri

from 165.60 CHF

Waadt

from 254.50 CHF

Wallis

from 192.10 CHF

Zug

from 174.90 CHF

Zurich

from 199.70 CHF

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