Saturday, January 28, 2023

Health Insurance Quotes In Switzerland- Why You Should Have More Than One

The universal healthcare system in Switzerland is eminent for being one of the greatest in Europe. One of the major attractions for several people considering relocating abroad perpetually or simply taking an extended holiday is the country’s extensive network of healthcare centers and hospitals,Health Insurance Quotes In Switzerland as well as their efficient doctors. It is compulsory to purchase health insurance for anyone living or working in Switzerland. 

We understand that it can be quite confusing and complicated at first. So here’s a guide on health insurance comparison in Switzerland [Available in German]. This guide will help you navigate your way to the best insurance quotes and will enable you to understand why it is beneficial to have more than one.Health Insurance Quotes In Switzerland

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Best Health Insurance Quotes In Switzerland


The American health services company serves expatriate and globally ambulant individuals in more than 200 international jurisdictions. Cigna Global’s policies are readily customized to cover cost necessities, and customers can choose from three coverage levels, several cost-share options, and modular plans.

Allianz Care

The Munich-headquartered financial services company caters to international health insurance plans to expatriate students, couples, families, and professionals. Following the policy, Allianz Care covers everyday medical expenses, dental consultations, emergency treatment, surgery, maternity, and outpatient fees.

What Do You Need To Receive Healthcare In Switzerland?

Switzerland’s healthcare system is among the best healthcare systems in the world. However, like several things in this beautiful country, it can be quite costly. It is an insurance-based system, not through tax or social security contributions but individual health insurance premiums. This sets Switzerland apart from many other European countries. It is mandatory for everyone living in Switzerland, including expatriates, to have at least basic health insurance that can cover all the general medical treatment costs. Residents may choose to supplement this with extra private coverage to give them access to a greater range of treatments.

What Is A Coverage Gap, And Could You Be Affected By It?

A coverage gap occurs between the beginning of your health insurance coverage in the country you are moving to and the end of your health insurance coverage in the country you are moving from. In Switzerland, non- Swiss citizens can only register for Swiss health insurance after registering their residence at their municipality in Switzerland. Once you arrive in Switzerland, you must sign up for health insurance within the first 90 days of your arrival. Expatriates moving to Switzerland can also consider signing up for private health insurance to cover the gap or extending their existing health insurance to cover this gap.

Comparison Of Swiss Healthcare To Other Countries

It’s because Swiss healthcare is of a high standard, it comes at a high cost. In 2018, globally, Switzerland took second place (12.2% of GDP) behind the United States (16.9% of GDP) in a share of national income spent on health. 

Costs recommence to climb despite several attempts by the federal government to control them. In 2013 Switzerland’s health costs increased by 1.9%, which is twice the pace of the OECD average, to reach an average annual cost of CHF 6,200 per person, including premiums and government spending – 66% of the total. 

Can You Change Basic Health Insurance Providers?

Every insured person is permitted to change the provider of their basic compulsory health insurance during a specific period every year. Some may get the opportunity to change on 1 July each year. Insurers must inform their members what next year’s premiums are going to be by 31 October. Members can then cancel their insurance contract until 30 November. However, If a member does not cancel an existing contract, it automatically continues. 

Who Provides Health Insurance And How Can You Compare?

The Federal Public Health Office (OFSP) possesses a tool for comparing providers called Priminfo. It also keeps a register of qualifying providers and.

Do We Need Private Health Insurance In Switzerland?

Although basic Swiss health insurance is excellent, it can’t cover all the treatment and only helps state healthcare services. Between 80–90% of medical costs (excluding the first CHF 300 of treatment costs each year and a daily fee for hospital stays) are covered by Basic insurance. However, it doesn’t include private healthcare provision, dental care, or some outpatient medical services. Private coverage provides you with a more fantastic range of benefits that include extra comforts (e.g., private room) during hospital stays and free choice of doctor.

We hope we have made the health insurance comparison in Switzerland a lot easier for you. This guide will give you more clarity and comprehensive knowledge about health insurance and help you with your ideal healthcare insurance package.

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