Comparison of the basic health insurance and accident insurance
The basic health insurance is mandatory for all residents in Switzerland, adults as well as children, regardless of their nationality. There is no family insurance. Foreigners living in Switzerland with a residence permit of three months or longer, as well as foreigners working within a shorter period than three months who do not have a comparable health insurance, are obliged to have a health insurance. You have three months to register for a health insurance from the beginning of the insurance period.
Should the authorities determine that the obligation is not fulfilled, the authorities will allocate you to any of the Swiss health insurance providers. In this case, you can no longer select your provider.
All providers are obliged to include you in the compulsory basic health insurance – unreservedly and irrespective of your age and your state of health.
The benefits of the basic health insurance scheme are also regulated by law, i.e. regardless of your provider the scope of services is always stays the same. However, there are differences in the service offers and the settlement procedures of the providers.
In addition to the basic health insurance, you can cover an accident insurance as well as a private health insurance with your health insurance provider.
The accident insurance is a very important component within your private health insurance and should be definitely covered. Please note that if your employment contract exceeds 8 hours per week, your employer is obliged to cover possible consequences of occupational and non-occupational accidents. In case of receiving unemployment benefits you are also included into accident insurance. A separate accident insurance is only necessary if you are self-employed.