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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.

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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. 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. Please send it to us online or by post.

CSS Versicherung AG
Contract Conclusion
Tribschenstrasse 21
6002 Lucerne

Choose your basic insurance

Medical advice over the phone

Telmed

  • Telephone advice from medical experts.
  • If necessary, the Centre for Telemedicine will refer you 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

Family doctor and Telmed combined

Multimed

  • 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.
  • Reduced retention fee: just CHF 400 instead of CHF 700 a year.
  • Min. 13% premium discount.
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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

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.
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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. What deductible would you like?
Change insurance
Switch model
Change your medical point of contact and pay less.
Choose option
Exclude accident cover
Do you work at least eight hours a week? Then you can save on premiums.
Change accident cover

Frequently asked questions

When does the insurance obligation begin?

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.

Why do I pay higher premiums in town?

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.

Who is required to take out insurance?

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.

How much does basic insurance cost?

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

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Personal advice

Get in touch for a personal consultation.

The advantages for you

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