Question 1

Is health insurance mandatory in Switzerland?

Accepted Answer

Yes. Basic health insurance (KVG/LAMal) is mandatory for everyone living in Switzerland. You must register within 3 months of arrival. If you don't choose a provider, the canton will assign one to you — usually at a higher premium.

Question 2

How much does insurance cost in Switzerland?

Accepted Answer

It depends on your situation. Basic health insurance alone costs CHF 300-600/month for adults (varies by canton and model). Personal liability and household insurance typically run CHF 20-40/month combined. Our risk analysis gives you personalized cost estimates.

Question 3

What's the difference between mandatory and recommended insurance?

Accepted Answer

Mandatory insurance is required by law (health, pension, accident for employees). Recommended insurance isn't legally required but is practically essential — like personal liability, which most landlords require. Our analysis clearly labels each type.

Question 4

Is the risk analysis really free?

Accepted Answer

Yes, completely free. You get a full overview of all 18 insurance types with personalized relevance ratings. No registration required, no hidden fees. We're backed by a FINMA-registered broker who can help if you want personal advice.

Question 5

I have a G-permit (cross-border). Does this apply to me?

Accepted Answer

Yes! Cross-border workers have special insurance rules, particularly around health insurance where you may have a choice between Swiss KVG and your home country's system. Our analysis accounts for G-permit specifics.

Question 6

Do I need insurance before I arrive in Switzerland?

Accepted Answer

You should start planning before you move, but most insurance can be arranged after arrival. Health insurance must be in place within 3 months (retroactive to arrival). We recommend running our analysis before your move to know what to budget for.

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