The deductible, explained
CHF 300 or 2500? The break-even shows at which healthcare costs each tier pays off.
—Guide
Guide: Swiss health insurance and deductibles, explained
Compact guides to compulsory basic insurance – from choosing the right deductible to cancelling on time. No jargon, just the deadlines and rules that actually matter.
Family doctor, HMO or Telmed
Same benefits, mostly 10–25% lower premium – you only commit to a fixed route into treatment.
Accident cover: don't pay twice
Employed 8+ hours a week? Then you are already insured against accidents through your employer.
Switching insurer: the deadlines
Arrive by 30 November – then you switch on 1 January, and every insurer must accept you.
Cancelling by 30 November
Receipt counts, not the postmark: send by registered mail and take out the new policy first.
Applying for premium reductions
Lower income, lower premium – how to check your entitlement in your canton.
Premium regions: location matters
Same insurer, different price: why your postal code sets the premium – and what moving changes.
Comparing premiums correctly
What really matters when comparing – and why the ranking of insurers can shift every year.