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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.

Choose your basic insurance

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.
  • At least 10% premium discount.
Discover the advantages Calculate your premium
Recommendation

All the benefits of a doctors’ network

HMO model

  • The chosen doctor’s practice from the medical network or the group practice is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • 14–16% premium discount.
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Ideal for high medical bills

Multimed

  • The Multimed practice, telemedicine centre or Well app is your first point of contact.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • Premium discount of at least 16% and CHF 300 less as a retention fee.
Discover the advantages Calculate your premium

Advice digitally or by phone

Telmed

  • Your first point of contact is the Well app or the telemedicine centre.
  • You can see an eye doctor, gynaecologist or midwife directly.
  • At least 10% premium discount.
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Free choice of doctor

Standard model

  • Free choice of doctor throughout Switzerland.
  • Make an appointment directly to see 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.
Change deductible
Switch model
Change your medical point of contact and pay less.
Switch model
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.

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Personal advice

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The advantages for you

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