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Individual advice for cross-border commuters

Individual advice for cross-border commuters

We’ll take care of you. The service is straightforward, quick, personal and non-binding. Our team is well acquainted with the needs of cross-border commuters, and will help you put together a package that’s right for you.

The best thing is to call us toll-free on 0800 22 88 44 22 (if you’re outside Germany, Austria, France, Italy, the USA, Switzerland or the Principality of Liechtenstein, please call +41 44 298 64 90).

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Make the right choice

Cross-border commuters generally have to have health insurance in Switzerland. But if you live in Germany, Austria, France or Italy and work in Switzerland, you have a choice: in this case it’s also possible to stay insured in the country where you live. To do this, however, you have to get an exemption from the mandatory insurance requirement in Switzerland.

Choose the solution that best meets your needs. Our experienced customer advisors are there to help.

Non-binding advice

What you need to know before you start

Cross-border commuters are defined as people who are resident in an EU state, Iceland or Norway and work in Switzerland.

Basically all family members living in the same household who are not in employment must also be insured with the same Swiss health insurer.

Our customer advisors will be glad to help if you need further information. You can call us toll-free on 0800 22 88 44 22 between 8 am and 8 pm from Monday to Friday (if you’re outside Germany, Austria, France, Italy, the USA, Switzerland or the Principality of Liechtenstein, please call +41 44 298 64 90).

Our insurance solutions for you

Basic insurance
Basic health insurance is mandatory in Switzerland. It covers essential medical care in the event of illness, accident and maternity.

Supplementary insurance
Supplementary insurance is voluntary. It covers benefits over and above basic health insurance. Supplementary insurance plans for inpatient care include cover for the costs of hospitalisation. Supplementary insurance plans for outpatient care include cover for things like alternative medicine, glasses and contact lenses, medical check-ups, and contributions to your fitness centre membership. Both types of supplementary insurance must always be taken out in conjunction with mandatory basic health insurance.

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