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You’ve just arrived in Switzerland? Grüezi and welcome!

New to Switzerland

We’re proud to say that Switzerland has one of the best healthcare systems in the world. If you live in Switzerland, you can benefit from this system. It's important that you find out what sort of insurance will meet your needs.

Basic insurance pursuant to HIA

The Swiss Health Insurance Act (HIA) states that any person resident in Switzerland is bliged to take out basic health insurance within three months. Basic insurance covers all basic medical care.

You are free to choose your health insurer. You are responsible for taking out health insurance. There are around 60 health insurers to choose from in Switzerland. They all provide the same benefits under basic insurance as defined by the Swiss Federal Health Insurance Act.

 

For example

  • Treatment with a doctor or specialist throughout Switzerland
  • Hospital treatment in the general ward of your canton of residence
  • Cost share towards emergency treatment worldwide
  • Medicines, laboratory tests or medical aids

An exception: accident insurance

If you’re an employee working for at least eight hours a week for the same employer, you are automatically covered for accident by your employer.  However, it’s certainly worth clarifying exactly what your insurance covers. We recommend including accident cover if you are only insured for the general hospital ward. If you have semiprivate or private supplementary hospital insurance, you can include accident. You would then receive treatment in the next highest hospital category in the event of an accident.

What costs do you pay?

You pay a share of the costs through your deductible and copayment, which always apply for one calendar year.

 

Deductible

The deductible is the amount you pay towards the cost of your medical treatment. You choose your deductible when taking out insurance.

Deductibles

Children   0
100
200 300 400 500
Adults 300 500 1000 1500 2000 2500

What annual deductible is right for me?

The higher the deductible, the lower the monthly premium. You can save money by choosing a high deductible, but bear in mind that you have to be able to pay the deductible in full if you go to the doctor and receive a high bill. Consider how much you could afford to pay in an emergency and choose a deductible that doesn’t exceed this amount.

 

Copayment

Once you reach your deductible, you cover part of the costs of all additional treatments, as specified by the Swiss Federal Health Insurance Act. This is usually 10%, up to a maximum of CHF 700 per calendar year.

Calculate your premium now and take out insurance online

You can use our online premium calculator to take a look at all the products and services offered by Sanitas. The prices are always displayed. This enables you to create a personal quote for you or your entire family. You can even take your insurance out directly online.

Important: to take out health insurance you have to be resident in Switzerland. You can only create a quote by entering an address in Switzerland.

Supplementary insurance pursuant to IPA

Supplementary insurance plans are voluntary in Switzerland and are subject to the Swiss Federal Act on Insurance Policies (IPA). Health insurers are free to define the benefits they provide under supplementary insurance plans. Supplementary insurance plans give you comprehensive cover by covering benefits not included under basic insurance plus some additional benefits.

 

For example

  • Preventive dental treatments or orthodontics
  • Alternative and complementary medicine
  • Gynaecological check-ups and medical check-ups
  • Transport and rescue costs
  • Hospitalisation in the semiprivate or private ward
  • Free choice of doctors and hospitals in Switzerland and abroad

 

If you wish to take out supplementary insurance cover, you must submit an application to a health insurer. There are supplementary outpatient and inpatient insurance plans to choose from. The health insurer will review your application and either accept it, accept it with restrictions or reject it outright. Applications may be rejected, for example, if the applicant had an illness in the past that is likely to result in very high treatment costs. Acceptance with restriction means that Sanitas will cover all costs under your insurance with the exception of benefits related to the restriction.

Principle of solidarity

The principle of solidarity applies to health insurance. This principle has a long tradition in Switzerland and it is based on the idea that all insureds form a group. Each person makes their contribution so that enough money is available if someone requires emergency treatment.

However, this means that some people in the group always pay their premiums, even though they are fit and healthy and never go to the doctor.  And others, who also pay their premiums but perhaps fall sick more frequently and go more regularly to the doctor. The idea is that fit people help to support the sick.  

But the most important thing is that everyone can expect to receive medical care when they need it most. Our job is to strive for the right balance between the individual and the group, which is why we always make decisions in the best interests of the group.

How are premiums calculated?

Premiums are influenced by place of residence, age and your sex. They also increase with age. This is because as you get older, you’re more likely to need medical treatment.

Generally speaking, premiums tend to be higher in cities than in rural areas. Health costs are higher in cities because the density of doctors, hospitals and nursing homes is higher. There are currently 42 premium regions in Switzerland. Every canton has at least one region and a maximum of three.

My doctor has sent me an invoice – what do I do?

It’s simple: Pay the invoice and send the reclaim voucher to your health insurer. They will settle the payment and refund you the correct amount. This process is known as third-party guarantor. Invoices are sent to the insured.

Sometimes, the healthcare provider will send the invoice directly to the health insurer. This is known as the third-party payer system. The health insurer will pay the invoice and send you a claims settlement. You then pay the share of the bill that you must pay yourself.

Sanitas document scanner: send in documents quickly and easily

You can submit your reclaim vouchers quickly and easily with the document scanner in the Sanitas Portal app. Simply take a photo directly in the app, check it and send it to us. We do the rest.

 

Download the app free of charge:

Any questions? 

We’ll be glad to help. Give our advice hotline a call. We’ll be happy to help find the best health insurance solution for you.

Advice hotline

0800 22 88 44 22

Basic insurance
Choose your model
Supplementary hospital insurance plans
Choose a hospital ward