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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 in which to take out basic insurance.

Choose your basic insurance

See your own doctor first

Family doctor model

  • Your family doctor is always your first point of contact
  • Free choice of eye doctor and gynaecologist
  • Min. 7% premium discount
Discover the advantages Calculate your premium

Telephone advice first

Telmed model

  • Telephone advice from medical experts
  • Free choice of doctor after consulting the telemedicine centre
  • Min. 9% premium discount
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Recommendation

Telemedicine & the family doctor model combined

Multimed model

  • Choose between your family doctor and advice by phone
  • Free choice of eye doctor, gynaecologist and midwife
  • Min. 12% premium discount
Discover the advantages Calculate your premium

Consult your network doctor

HMO model

  • Your medical network doctor is your first point of contact
  • Free choice of eye doctor and gynaecologist
  • Min. 14% premium discount
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Free choice of doctor

Standard model

  • Free choice of doctor
  • Go directly to 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

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