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Published on 06.02.2023

Health insurance in Switzerland for new residents

Health insurance in Switzerland can seem confusing at first for newcomers. In this comprehensive guide, we would like to provide you with all the important information you need to make the best decision for your health insurance as a newcomer and to be optimally covered.

Time for the conclusion of the health insurance

As a new immigrant, you are required to take out health insurance within three months of your arrival in Switzerland or from the start of your residence permit.

Registration deadlines for health insurance

The enrollment period for health insurance is usually three months. Within this period, you must register with an insurance company to ensure complete coverage and avoid possible penalty premiums.

Consequences of a missed registration deadline

If you miss the registration deadline, this may result in penalty premiums. In addition, you are only insured from the time the contract is actually concluded. This means that you may have to pay for medical expenses incurred before that time.

Basic insurance benefits

Compulsory basic insurance in Switzerland covers basic medical services, such as visits to the doctor, medication, general hospitalization, maternity benefits, rehabilitation measures and nursing care. It ensures solid basic care for all insured persons.

Benefits of the supplementary outpatient insurance

Supplementary outpatient insurance extends the protection provided by basic insurance and covers additional outpatient costs. This includes, among other things, protection abroad, contributions to sports clubs or fitness studios, alternative healing methods, non-medical practitioner services, glasses and contact lenses, and preventive check-ups.

Benefits of supplementary hospital insurance

Supplementary hospital insurance offers extended protection during hospital stays. It allows you to choose a higher insurance level (semi-private or private) and gives you access to a wider choice of hospitals, specialists and additional comfort services.

Dental insurance benefits

Dental insurance covers costs for dental treatments that are not covered by basic insurance. This includes, for example, dental cleanings, orthodontic treatment, dentures and inlays.

Other types of insurance in health insurance

Other supplementary insurances include travel insurance, long-term care insurance, disability insurance and death insurance. These provide additional protection in various areas of life and can be individually tailored to your needs.

Health declaration for supplementary insurance

When applying for supplementary insurance, you usually have to fill out a health declaration. The insurance company checks this in order to assess possible risks and offer the appropriate insurance cover. Depending on your state of health, certain benefits may be excluded or a higher premium may be charged.

Why it is important to take out supplementary insurance as early as possible

It is advisable to take out supplementary insurance as early as possible, as this usually leads to lower premiums and possible risk exclusions due to pre-existing conditions can be prevented. In addition, this way you are comprehensively covered right from the start.


As a newcomer to Switzerland, it is important to take care of your health insurance early on. Basic insurance is mandatory and covers basic medical services, while supplementary insurance provides you with extended protection and can be customized to your individual needs. Pay attention to enrollment deadlines to avoid penalty premiums and gaps in coverage. The earlier you take out your insurance policies, the better you are covered and can benefit from lower premiums.


If you need help choosing the right insurance, contact an experienced insurance advisor or insurance broker. They can help you find the right insurance for your individual needs and ensure the best possible protection for you and your family. Get comprehensive information and, if necessary, professional advice to ensure you have the best coverage in Switzerland.

Please contact us for a personal consultation:

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