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Well insured in Switzerland

If you’re coming from an EU/EFTA country

Different health insurance rules apply to people coming to Switzerland from EU/EFTA countries depending on their status:

 

Working people (employees and self-employed people)

Basic insurance: As a rule you must take out mandatory basic insurance in the country in which you work. Please call your local Sanitas service centre on 0844 150 150 if you need more information.

Supplementary insurance: You can use supplementary insurance plans from Sanitas health insurance to ensure you’re fully covered for all eventualities.

 

Cross-border commuters (people resident in an EU state, Iceland or Norway and working in Switzerland)

Basic insurance: As a rule you must take out mandatory basic insurance in the country in which you work. Basically all family members living in the same household who are not in employment must also be insured with the same Swiss health insurer. If you need more information, please call our Contact Center on 0800 22 88 44 (free call), or on +41 44 298 64 90 (from outside Switzerland and the Principality of Liechtenstein). You can also visit our site for cross-border commuters.

 

People not in employment (students, pensioners and people looking for work)

Basic insurance: Depending on your status and country, you may have to take out mandatory basic insurance either in Switzerland or in the country you live in. Please call your local Sanitas service centre on 0844 150 150 if you need more information. Cross-border commuters (people living in an EU/EFTA country and working in Switzerland).

Supplementary insurance: You can use supplementary insurance plans from Sanitas health insurance to ensure you’re fully covered for all eventualities.

 

If you’re coming from outside the EU/EFTA

People living in Switzerland are legally obliged to take out mandatory basic health insurance. Mandatory insurance covers the costs of treatment in the event of illness, accident and maternity within the scope of the Swiss Federal Health Insurance Act (KVG/LAMal). It is designed to provide solid basic care. But there are gaps in areas such as dental treatment, transport and rescue costs, and hospital treatment outside your canton of residence that are very expensive if you have to pay for them yourself. Sanitas health insurance offers supplementary health insurance plans to help you comprehensively close these gaps. Please call your local Sanitas service centre on 0844 150 150 for one-to-one advice.

 

Holidays and short stays in Switzerland

Sanitas health insurance offers a plan called Guest Care giving visitors and people in Switzerland for a short time (up to six months) comprehensive cover for the duration of their stay. This special supplementary insurance can be taken out for between one and six months depending on requirements. Taking out Guest Care automatically gives you the insurance coverage you need to obtain a visa for Switzerland and the Schengen area.

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