Switzerland has one of the largest private healthcare sectors in the world and is consistently ranked as one of the Top 5 Best in the World. The healthcare system is universal, but unlike other countries with similar systems, it is not funded by government taxes but paid for by the individual. Anyone entering Switzerland must have basic health insurance. If you are in Switzerland for longer than three months, even as a tourist, you must have a recognized Swiss health insurance provider.

Healthcare in Switzerland is run at the cantonal level. Rest assured that the quality is high, no matter which canton you go.

Signing up for the Swiss healthcare system

As a foreigner, you cannot sign-up for the Swiss healthcare system until you have arrived in the country, registered with a local cantonal authority or have applied for a residence permit. However, since a residence permit takes time to process, proof of your pending application and current residence should suffice to take out a policy.

As with seeking a suitable home in Switzerland, it is advisable to begin your search for insurance coverage in your home country. Be reminded that you must obtain health coverage within 90 days upon your arrival, so do your homework before flying out to Switzerland.

To ensure all citizens are able to receive coverage, the Swiss government mandates that all insurance providers offer basic health care coverage. The rejection of applicants by health insurance providers for any reason is illegal.

Expats should also be reminded that there is no Medicare in Switzerland, nor a Swiss equivalent. Even retirees must continue to pay for their own private health insurance.

Basic Healthcare Coverage

Because insurance is mandated by law, basic coverage is identical across all Swiss insurance providers. Coverage is as follows:

• General check-ups and treatments
• Hospital visits (inpatient, outpatient, and emergency services)
• Rehabilitation services
• Prescription costs
• Some mental healthcare
• Maternity care
• Dental emergencies
• Gynecological exams
• Vaccinations
• Certain medical aids and devices
• Cancer screenings
• Eye care for people under 18, and serious illness
• Some alternative therapies such as acupuncture and homeopathy

Up to 90% of your medical costs should be covered under a basic healthcare plan.
https://www.priminfo.admin.ch/de/beratung/grundversicherung

Average Health Insurance Cost

The average amount that you pay for insurance depends on the canton. Please see the list below for your reference-