Understanding health insurance, step by step.
Guides for the moments that matter: switching, saving, insuring your children, retiring, moving to Switzerland. Every statement with a source, every calculation traceable.
Young adults and students
At 19 the children’s premium ends, at 26 the adult premium begins. In between, you manage your health insurance yourself for the first time: deductible, model, accident cover, premium subsidy and what applies during studies, an apprenticeship and a year abroad.
New in Switzerland
Everything newcomers need to know about Swiss health insurance: obligation and deadline, costs, exemption, special cases and leaving the country, with links to the in-depth articles.
- Exemption from compulsory health insurance: who can applyWho does not need Swiss basic health insurance despite living in Switzerland, how the application for exemption works and why the decision is usually final.New in Switzerland
- International students: Swiss health insurance or exemption?Which health insurance applies when you study in Switzerland: the EHIC for EU students, exemption for students from other countries, and what happens if you take a side job.New in Switzerland
- New in Switzerland: health insurance within three monthsYour first three months in Switzerland: which deadline applies, how to choose insurer, deductible and model, what basic health insurance costs and how to avoid gaps.New in Switzerland
- The Swiss health insurance system explainedThe Swiss system in ten minutes: who must be insured, what basic health insurance covers, how premiums and co-payments work and where supplementary insurance comes in.New in Switzerland
Cross-border commuters
Swiss KVG or insurance in your country of residence: who can choose, by when, what Swiss basic health insurance costs per country of residence in 2026, what applies to family, accidents and treatment, and what differs in Germany, France, Italy and Austria.