Choose and start basic health insurance
Overview
Compare on the federal calculator, then choose.
The question you never knew to ask“Is my employer's accident cover enough, or do I need it in my health insurance?”
Why it matters
Basic and supplementary cover are separate decisions. The deductible is the part of each year's medical costs you pay yourself before the insurer pays; Priminfo shows the premium for each deductible.
Does this apply to me?
Your circumstances: Canton Bern, B permit, mixed nationalities, family with children, moving with a partner, arriving soon
It applies to every household moving to Switzerland.
When?
Tied to arrival. Exact window not verified.
What do I need?
- Everyone's arrival date
- Your address
What do I do next?
- Compare premiums for your commune on Priminfo.
- Choose a deductible that fits your household.
- Ask your employer whether their accident insurance covers you, then decide whether your health insurance needs accident cover.
- Apply for basic cover for each person.
- Decide on supplementary cover separately. Ask what basic cover includes for dental care first.
Official guidance
Read official guidance from the Swiss authorities' joint information site (federal, cantonal and communal):
ch.ch: taking out health insuranceRead official guidance from the federal health insurance premium comparison, run by the FOPH:
Priminfo: the federal premium calculatorRead official guidance from the Swiss authorities' joint information site (federal, cantonal and communal):
ch.ch: accident insurance
Useful resources
Our guide: Choosing basic health insurance