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Emigrating to Switzerland

Welcome to Switzerland! Would you like to take out mandatory basic insurance or supplementary insurance with CSS? It couldn’t be easier.

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The Swiss insurance model

Everyone living in Switzerland must have basic insurance. It provides cover for the statutory basic benefits in case of illness, accident and maternity. We offer you five different models, all of which provide the exact same benefits. The only difference is who you contact first if you are ill or wish to make use of a service.

Basic insurance models

Overview of basic insurance benefits

Benefits

Outpatient treatment – classical medicine

Cost coverage according to the tariff for treatment by recognised doctors, chiropractors, dieticians, midwives, logopedists, physiotherapists, ergotherapists, nurses and nursing auxiliaries throughout Switzerland

Outpatient treatment – alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: costs are covered according to the tariffs prevailing in the canton of residence or at the place of work for treatment by recognised doctors with an FMH qualification in the discipline of complementary medicine

Hospitalisation

Cover for all costs in the canton of residence according to the HIA (public hospital/acute hospital), unlimited as to sum or duration in a general ward

Health promotion/prevention

In accordance with Article 12 of the Ordinance on Compulsory Health Insurance Benefits

Benefits abroad

Cover for costs incurred in emergencies for outpatient or inpatient treatment on a general ward up to a maximum of twice the tariff of the canton of residence in Switzerland. Special conditions apply in EU states (incl. Iceland, the Principality of Liechtenstein and Norway) as determined in the bilateral agreements

Medication

Medically prescribed medication on the list of generic drugs maintained by the Federal Office of Public Health (FOPH), the list of medicines with tariffs or the specialities list

Spa cures/convalescence cures

Spa cures: CHF 10 per day, 21 days per year plus medical costs
Convalescence cures: only medical costs

Maternity/breastfeeding

Eight check-ups, two ultrasound examinations for a normal pregnancy, home birth or hospital birth, max. CHF 150 for prenatal courses, max. three sessions for breastfeeding advice

Apparatus

Contributions to apparatus according to the “Apparatus and devices” list (MiGeL)

Preventive examinations/vaccinations

Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.

Transport and rescue costs

Cost of transport: 50% of costs, max. CHF 500 per calendar year
Cost of rescue: 50% of costs, max. CHF 5,000 per calendar year (Switzerland)

Glasses/contact lenses

Up to 18 years of age: CHF 180 per year with a medical prescription

Home nursing/care in a nursing home

Costs are covered for examinations, treatment and nursing care prescribed by a physician and carried out at home or in nursing homes by recognised Spitex organisations

Dental treatment

Costs are covered for serious jaw disease or if treatment becomes necessary because of a serious general illness. Initial treatment in case of accident (if accident cover included)

Psychotherapy

Costs for psychotherapy by a doctor

When do you need health insurance?

You should take out your basic insurance within three months of registering with the Swiss authorities. If you leave it until later, you will pay a surcharge. Please note that your premium will depend on where you live, your age and your deductible.

How you benefit

Good reasons to choose CSS Insurance

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Swiss expats

Our worldwide cover for Swiss nationals who live abroad permanently.

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