Guides to health insurance in Switzerland
Published 16.08.2026 · updated 17.08.2026
Every guide answers a real question that clients ask, cites the rule it rests on and carries a signature with the date it was reviewed. If the law or the premiums change, the guide is updated and the date says so.
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How health insurance works in Switzerland
Mandatory Swiss health insurance (LAMal): 3 months to sign up, every insurer covers exactly the same things, and you choose your deductible and model.
updated 17.08.2026 · signedRead the guide →Understanding Swiss health insurance
5Which health insurance deductible to choose in Switzerland: 300 or 2,500?
Which deductible to choose in Swiss basic health insurance: what the 2,500-franc one saves you, when the 300-franc one wins and the 1,800-franc rule of thumb.
updated 22.08.2026 · signedRead the guide →Swiss health insurance models: standard, family doctor, HMO and Telmed
The four most common Swiss health insurance models (standard, family doctor, HMO and Telmed): what you give up, how much the premium drops and how to choose.
updated 22.08.2026 · signedRead the guide →How much does an ambulance cost in Switzerland, and who pays for it?
How much an ambulance costs in Switzerland, what basic insurance covers and why the yearly cap is either 500 or 5,000 francs, depending on rescue or transport.
updated 25.08.2026 · signedRead the guide →How much does going to the gym cost in Switzerland, and how much of it does your insurance cover?
A gym membership in Switzerland costs from around 550 to 1,400 francs a year. Many supplementary policies pay back 50% to 90% of the cost, up to a yearly cap.
updated 27.08.2026 · signedRead the guide →How much does a doctor’s visit cost in Switzerland, and what do you pay?
A normal doctor’s visit in Switzerland usually costs between 70 and 120 francs. Here is the 2026 tariff, what consultation time costs and what you pay.
updated 29.08.2026 · signedRead the guide →Switching and choosing an insurer
4How to cancel your supplementary insurance in Switzerland
Deadlines at the main Swiss insurers for cancelling supplementary insurance (VVG/LCA), the trap that leaves people uncovered, and the letter ready to download.
updated 22.08.2026 · signedRead the guide →How to switch health insurance in Switzerland
You can switch health insurer in Switzerland every year. Your cancellation letter has to arrive by 30 November at the latest. The steps and what comes next.
updated 26.08.2026 · signedRead the guide →When are the 2027 Swiss health insurance premiums published?
The 2027 Swiss health insurance premiums come out at the end of September 2026. You can switch insurer until 30 November 2026.
updated 23.08.2026 · signedRead the guide →Health insurance subsidy in Switzerland: who gets it and how to apply
Your canton can pay part of your health insurance in Switzerland. Who gets the subsidy, how much, and your canton’s deadline, office and official link.
updated 04.09.2026 · signedRead the guide →Reviewed by Alejandro Redondo Lázaro · registered with FINMA F01490776 · 17.08.2026