Health insurance guides

Swiss health insurance clearly explained — deadlines, deductibles, supplementary insurance and more.

Swiss health insurance premiums 2027: +5.0%

Swiss health insurance premiums 2027: the average premium rises by 5.0% to CHF 412.00. Changes by canton, new models, switch deadline 30 November 2026.

Switching health insurer for 2027: deadline 30 November 2026

Switch health insurer on 1 Jan 2027: KVG cancellation by Monday, 30 November 2026, supplementary insurance as per your AVB. All deadlines, steps and pitfalls.

Swiss health insurance deductible (franchise): 300 or 2'500?

A deductible of 300 or 2'500 francs? The maths behind the decision, rules of thumb for typical situations and all deadlines for 2027, explained concisely.

Supplementary insurance: what is really worth it? The guide for 2027

Hospital, dental, outpatient, complementary medicine: which supplementary insurance is really worth it, what to watch for and the 2027 switching deadlines.

Dental insurance for children: why taking it out early pays off

Basic insurance does not pay for braces or check-ups. Why parents should take out dental insurance for their child early, with deadlines and a checklist.

Hospital insurance: general ward, semi-private or private?

General ward, semi-private or private? What hospital supplements cover, what basic insurance pays in hospital and the deadlines for taking out or switching.

Premium subsidies: who is entitled and how to apply?

Individual premium reduction (IPV): who is entitled in Switzerland, how to apply in your canton and which deadlines apply, with a checklist and saving tips.

Moving to Switzerland: health insurance within 3 months

Mandatory health insurance in Switzerland: join within 3 months of registering at the residents' office and you are insured retroactively. With checklist.

Insuring your newborn correctly: why taking out cover before birth is decisive

Register your baby for OKP within 3 months, secure supplementary cover before birth with no health assessment: deadlines, checklist and tips for parents-to-be.

Family doctor, HMO or Telmed: cost-saving models compared

Family doctor model, HMO or Telmed? How the cost-saving models of basic insurance work, who they pay off for and which deadlines apply for switching for 2027.

Cancelling supplementary insurance: deadlines and premium rises

Cancelling supplementary insurance: after a premium rise, the adjustment letter and your AVB decide; otherwise Art. 35a VVG, 3 months' notice. With checklist.

Premium increase? How to use your special cancellation right

Premium increase from your health insurer? How to use the special cancellation right (Art. 7 KVG): deadlines, sample letter and the most common mistakes.

Cancel Swiss health insurance 2027: sample letter, deadline

Cancelling your health insurance: sample letter, end-of-November deadline (receipt counts), sending by registered mail and what happens after cancelling.

Accident cover in your health insurance: include or exclude?

Include or exclude accident cover in your health insurance? When excluding it pays off, who needs to include it and what applies when you change jobs.

Deductible and co-payment: the difference explained simply

Deductible vs. co-payment: the difference explained simply – 10% co-payment, maximum amounts for adults and children, with a worked example.

Changing your health insurance model: cost-saving or standard?

Switching health insurance model: duties in the family doctor, HMO and telemedicine models, risk of reduced benefits and all deadlines — with a sample text.

Switching health insurer: the autumn checklist with sample letter

Switching health insurer — the autumn checklist: read the premium letter, compare correctly, cancel by end of November, check the new policy. Sample letter.

Premiums for young adults: what changes at 26 — and how to save

Health insurance from 26: what the move to the adult rate means — and how to save with your deductible, model and accident exclusion.

Health insurance for families: saving on premiums, deductibles and supplements

Health insurance for families: children's premiums, deductible 0–600, premium subsidies, supplements for children — practical saving tips and all deadlines.

Glasses and contact lenses: what does health insurance pay?

Glasses and contact lenses: basic insurance pays children CHF 180 a year, adults almost never. What outpatient supplementary insurance contributes.

Gym membership and health insurance: who pays towards training?

Does health insurance pay for your gym membership? Basic insurance doesn't — many outpatient supplementary plans do. Conditions, deadlines and checklist.

Dental costs for adults: when does health insurance pay?

Dental treatment: adults almost always pay the costs themselves. When basic insurance covers them and how dental supplementary insurance works.

Complementary medicine: what Swiss health insurance pays

Complementary medicine in Switzerland: reimbursement by basic insurance for acupuncture, homeopathy or TCM, and when you need supplementary insurance.

Health insurance abroad: what is covered on holiday

Doctor or emergency on holiday: what health insurance pays abroad, where the limits are (EHIC, USA & co.) and when supplementary cover for abroad pays off.

Tiers garant or tiers payant: who pays the doctor's bill first?

Tiers garant or tiers payant: who pays the doctor's bill first, how to submit invoices to your health insurer and when the reimbursement arrives.

Swiss premium regions: why your premium depends on where you live

Premium regions in Switzerland: why your premium depends on where you live, what happens when you move and which deadlines apply — with a template.

Abredeversicherung: accident insurance after leaving a job

Abredeversicherung in Switzerland: extend UVG accident cover by up to 6 months. Deadline 31 days, Suva CHF 65 a month. Otherwise your health insurer pays.

Psychotherapy: what Swiss health insurance covers

Psychotherapy in Switzerland: basic insurance pays for psychological psychotherapy on a doctor's prescription, up to 15 sessions per prescription.

Swiss health insurance: how the system works

Swiss health insurance: mandatory within three months, per person, same benefits at every insurer. Premium, deductible from CHF 300, models, switching.

Health insurance exemption in Switzerland: who qualifies

Swiss health insurance exemption: exceptions under Art. 2 and 6 KVV, application within three months according to the FOPH, mostly with equivalent cover.

Cross-border commuter health insurance in Switzerland

Cross-border commuter health insurance in Switzerland: join within three months; you can only choose if you live in Germany, France, Italy or Austria.

Missed Swiss health insurance deadline: what now?

Missed Swiss health insurance deadline? Standard model with CHF 300 deductible: switch on 1 July, otherwise on 1 January. What you can still do until then.

Compare supplementary health insurance in Switzerland

Compare supplementary health insurance in Switzerland: limits, waiting periods, hospital list, age groups first, then premium. Cancel only once accepted.

Dental insurance in Switzerland: is it worth it?

Dental insurance in Switzerland pays a percentage of costs up to an annual limit, sometimes only after a waiting period. How to work out if it pays off.

Which health insurer suits you? What drives the 2027 premium

Which Swiss health insurer suits you? None costs the least everywhere. What sets the 2027 premium and what deductible, model and accident cover change.

Swiss health insurance number: where to find it

Swiss health insurance number: it is on your policy, and the health insurance card carries your AHV number. What the card shows and what to do if lost.

Health insurance refuses to pay: objection and ombudsman

Health insurer not paying? Request a formal decision, then object free of charge within 30 days. When the ombudsman helps; rules for supplementary cover.

More guides in German

These guides are currently available in German only. The link opens the German original.

Grundversicherung wechseln, Zusatzversicherung behalten

Nur die Grundversicherung wechseln und die Zusatzversicherung behalten: Fristen 2026/2027, was Art. 7 KVG Ihrer Kasse verbietet, typische Stolperfallen.

Krankenkasse sistieren: Militärdienst, Unfalldeckung, Ausland

Krankenkasse sistieren: bei über 60 Tagen Militär-, Zivilschutz- oder Zivildienst und für die Unfalldeckung mit UVG-Schutz. Meldefrist, Wegzug ins Ausland.