Mädchen bereitet sich aufs Skateboarden vor

Emigrating to Switzerland

Welcome to Switzerland. Would you like to take out insurance with CSS? Choose basic insurance that’s right for you – we have five models, each with their own advantages and premiums.

Calculate premium

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. After arriving in Switzerland, you have 3 months' time in which to take out basic insurance.

Here's what to do:

  1. Generate your own offer in the premium calculator or request personal advice.
  2. Take out the insurance online or send the signed application to us by post. Please enclose your confirmation of place of residence.
  3. You’ll then receive confirmation of admission from us.

Confirmation of place of residence

Confirmation of place of residence is required for the insurance contract. This document attests that you are resident in Switzerland and is issued by the residents' registration office in the place where you live.

Choose your basic insurance

Advice digitally or by phone

Telmed

  • Digitally or by phone – with the Well app and the telemedicine centre.
  • If necessary, you'll be referred to a doctor of your choice.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium
Recommendation

All the benefits of a doctors’ network

HMO model

  • A doctor you know and trust from your medical network or group practice is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 14% premium discount.
Discover the advantages Calculate your premium

Family doctor and Telmed combined

Multimed

  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • You have two partners: the Multimed family doctor and the telemedicine centre.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 13% premium discount.
Discover the advantages Calculate your premium

Go directly to your family doctor

Family doctor model

  • The family doctor you know and trust is your main point of contact.
  • Go directly to an eye doctor, a gynaecologist, a dentist or a midwife.
  • Min. 9% premium discount.
Discover the advantages Calculate your premium

Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly with a specialist.
Discover the advantages Calculate your premium

How to save on premiums

Premiums depend on where you live, your age and what deductible you choose.

Higher deductible
The higher the deductible, the lower the premium. How to make the right choice.
Find out more
Switch model
Change your medical point of contact and pay less.
Here’s how
Exclude accident cover
If you work at least 8 hours a week, you can save on premiums.
Change accident cover

Frequently asked questions

After arriving in Switzerland, you have 3 months in which to take out basic insurance. But it’s better to make up your mind before this deadline, as you pay premiums from the very first day on which you’re registered as living here.

If you leave it until later to take out insurance, you will pay a surcharge.

There is a proliferation of doctors’ practices and specialist clinics in towns and cities. And if there are a large number of medical services available in a particular region, greater use will be made of them. That’s why healthcare spending is higher in urban areas – and premiums are too. Incidentally, it’s the Federal Office of Public Health (FOPH) that’s responsible for defining the premium regions.

You can save on premiums by choosing basic insurance without a free choice of doctor.

The obligation to take out insurance applies to everyone who settles permanently in Switzerland. Our system is based on a per capita premium: this means that each individual family member must take out basic insurance.

The premium for basic insurance depends on where you live, your age, and your deductible.

1249785334

Personal advice

Get in touch for a personal consultation.

The advantages for you

Good reasons to choose CSS

myCSS client portal
Doing everything digitally means you’ll never lose track.
Discover the advantages
Up to CHF 1,400 for you
We promote your health with up to CHF 1,400 per year.
Receive contribution
Health Shop
Make the most of attractive offers and top deals.
Save with enjoy365
24h medical care
Free advice day and night – even when you’re abroad. 
Well looked
Number 1
More than 1.6 million people trust CSS.
Find out more
Personal advice
2,700 employees are here for you and happy to help.
Find advisor
Frau relaxt auf ihrem Balkon
More protection

Swiss expats

Our worldwide cover for Swiss nationals who live abroad permanently.

Comprehensive cover