New to Switzerland? Sorting out your health insurance is one of the first and most important steps. In this quick guide, we’ll explain how to register for Swiss basic health insurance as an expat in just a few simple steps.
Why Health Insurance Matters in Switzerland
Health insurance is mandatory for everyone residing in Switzerland. You have 3 months from your official registration date to choose and sign up for a policy. If you miss this deadline, authorities may assign you a default (and often more expensive) plan, with coverage backdated to your arrival—along with penalty premiums. Health insurance also ensures access to Switzerland’s top-tier healthcare system, giving you peace of mind and financial protection in case of illness or injury.
How to Get Health Insurance in Switzerland (Step-by-Step)
- Register your address at the local municipal office (Gemeinde/Commune). This starts your 3-month countdown.
- Research and compare insurers. Use tools like Comparis.ch to compare premiums, deductibles, and customer reviews.
- Choose an insurance provider (e.g., Helsana, Swica, CSS). Most offer online applications or support in English.
- Submit your application by post or online. Include your residence confirmation and ID copy.
- Confirm your policy start date: your coverage will begin retroactively from the day of your address registration.
- Pay your first premium to activate the policy fully and ensure continuous coverage.
How Much Does It Cost?
The average monthly premium for basic health insurance in 2025 is around CHF 378.70. Your actual cost depends on your age, deductible (franchise), accident coverage, and canton. For example, young adults in urban areas may pay less than retirees or families in rural cantons.
Tip: Choosing a higher deductible can reduce your monthly premium but means you’ll pay more out of pocket when you visit the doctor.
Frequently Asked Questions
Do I have to get insurance immediately after arrival?
Yes — within 3 months of registering your residence. Waiting longer may result in fines and retroactive coverage.
Can I keep my foreign insurance?
In most cases, no. Expats are required to enroll in a Swiss plan unless exempt (e.g., certain diplomats or cross-border commuters).
What happens if I miss the deadline?
You may be assigned a plan with backdated premiums and fined with additional charges.
✅ Done with basics? Next, compare healthcare providers and optional coverages — check out our full guide to Health Insurance in Switzerland for Expats.