STUDENT HEALTH, MEDICAL, HOME & CONTENTS INSURANCE IN SWITZERLAND
Protect yourself and your family with insurance
Switzerland International Student Insurance
Healthcare in Switzerland
Switzerland’s universal health care system is highly decentralized, with the cantons, or states, playing a key role in its operation. The system is funded through enrollee premiums, taxes (mostly cantonal), social insurance contributions, and out-of-pocket payments. Residents are required to purchase insurance from private nonprofit insurers. Adults also pay yearly deductibles, in addition to coinsurance (with an annual cap) for all services. Coverage includes most physician visits, hospital care, pharmaceuticals, devices, home care, medical services in long-term care, and physiotherapy. Supplemental private insurance can be purchased for services not covered by mandatory health insurance, secure a more excellent physician’s choice, and obtain better hospital accommodations.
There are two different kinds of health insurance in Switzerland: compulsory health insurance (also called basic insurance) under the Swiss Federal Law on Sickness Insurance (KVG) and voluntary supplementary insurance under the Swiss Federal Law on Insurance Contracts (VVG).
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