Understanding the Swiss System
What every resident must hold and what this compulsory cover includes.
Basic health insurance, often referred to by the French abbreviation LAMal, is the compulsory health cover for people living in Switzerland.
It forms the foundation of healthcare protection and should be understood before considering any additional cover.
01
The benefits of basic health insurance are defined by law. Insurers cannot reduce the mandatory benefit package because someone pays a lower premium.
For this reason, comparing basic insurance is less about hidden medical benefits and more about cost, service, model and practical fit.
02
Basic insurance does not answer every question about comfort, international travel, private hospital accommodation or specific supplementary needs.
Those questions belong to a second layer of reflection, once the mandatory foundation is clear.
03
Choosing basic insurance involves decisions around insurer, franchise, model, accident cover and timing.
We help international clients understand each decision without turning a compulsory requirement into a confusing comparison exercise.
Further guidance
These sections connect the main questions internationally mobile clients usually need to review before choosing or adjusting cover.
We would be pleased to help you understand your options and make decisions with greater confidence.
