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LAMal health insurance in Switzerland

LAMal health insurance in Switzerland

Mandatory within 3 months of your arrival. We help you choose the best crate at the best price.

In Switzerland, basic health insurance (LAMal) is compulsory for all residents. You have 3 months after your arrival to join a health insurance fund, but coverage is retroactive to the day you registered with the municipality. The Swiss system gives you the choice between more than 50 health funds, with premiums which vary considerably depending on the canton, the deductible and the insurance model chosen.

Please note: if you do not choose within the deadline, your municipality will automatically assign you a fund, often with the highest deductible and without additional funds.

Qué incluye

  • Comparison of health insurance funds available in your canton
  • Explanation of the franchise system and models (telemedicine, family doctor, HMO)
  • Simulation of annual costs according to different scenarios
  • Registration with the chosen fund
  • Advice on supplementary insurance (dental, optical, alternative medicine)
  • Checking the possibility of requesting a LAMal exemption (border workers)

Pasos y plazos

1

Analysis of your needs

We evaluate your health profile, your family situation and your budget to determine optimal coverage.

2

Comparison of offers

We compare basic LAMal premiums and additional offers, taking into account your canton of residence.

3

Choosing the deductible

We explain the deductible mechanism (from CHF 300 to CHF 2,500) and its impact on your premiums and medical costs.

4

Registration

We complete the registration forms and send them to the chosen fund. You will receive your insurance card within 2 weeks.

Errores frecuentes

  • Wait until the last moment to register and miss the 3 month deadline
  • Choose the maximum deductible (CHF 2,500) without having the ability to pay for care
  • Neglecting dental supplements — dental care is not covered by LAMal
  • Not informing your employer of your fund for the possible subsidy
  • Confusing LAMal (compulsory) and LCA (voluntary supplementary insurance)

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Preguntas frecuentes

What is the deadline for subscribing to LAMal?
You have 3 months from your arrival in Switzerland (date of registration in the municipality). Coverage is retroactive to the day of arrival. If you exceed this deadline, the municipality will automatically assign you to a fund, without the possibility of negotiating the conditions.
How does the deductible system work?
The deductible is the annual amount you pay out of pocket before insurance covers the costs. It ranges from CHF 300 (higher monthly premium) to CHF 2,500 (lower premium). Beyond the excess, you pay another 10% of the costs (share) up to a maximum of CHF 700 per year. We help you find the right balance.
Does LAMal cover dental care?
No, routine dental care is not covered by LAMal. Only treatments linked to a serious disease of the masticatory system are covered. We recommend taking out a dental supplement upon arrival, as health questionnaires can rule out pre-existing problems.
Can I change health insurer every year?
Yes, you can change basic health insurance (LAMal) each year, with notice by November 30 for a change on January 1. Now is the perfect time to compare premiums and optimize your coverage. Complementaries have different termination conditions.

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