Contact us

(+41) 76 745 87 13

Send us an email!

Contact details:

Message:

Your message has been sent successfully. Close this notice.

Health insurance Quote

Contact details:

Actual insurance

Your Quote Form has been sent successfully. Close this notice.

Car insurance Quote

Contact details:

Your car:

Your Quote Form has been sent successfully. Close this notice.

Life insurance Quote

Level of protection: CHF

Contact details:

Have you used tobacco or nicotine products in the last 12 months?

Yes, I have No, I haven't
Your Quote Form has been sent successfully. Close this notice.

Home insurance Quote

Your home:

Contact details:

Your Quote Form has been sent successfully. Close this notice.

Get an insurance quote!

Health insurance

You are living in Switzerland and need an affordable health insurance that protects you from the financial consequences of illness accident and maternity.

Basic health Insurance

Information about Health Insurance
By law every resident in Switzerland must purchase basic health insurance, which covers many conditions, from childbirth to doctor visits and serious illnesses.

All health insurance companies must offer the same benefits covered under the basic insurance policy but may not cover optional benefits. For more on the benefits covered by law please see this page of the Federal Office of Public Health.

Many people opt to buy supplementary coverage that applies to just about any aspect of health care, including dental care, illness while abroad or use of a private room in hospital. Several models exist, including HMO, general practitioner, or Telmed, which require patients to follow certain procedures when seeking health care in exchange for reduced premiums.

Those just arriving to live in Switzerland have three months from the time of arrival to purchase a policy. For more on the requirement to take out insurance, please visit the Federal Office of Public Health.

Policies are offered for adults with deductibles ranging from CHF 300 to CHF 2,500 and for children from CHF 0 to CHF 600. A person seeking health care is required to pay ten per cent of health costs, up to SFr700 per year. Coverage may be limited to the canton where the policy holder lives.

Basic insurance does not necessarily cover injuries suffered in an accident and “accident insurance” must be purchased separately. Anyone who works for the same employer for at least eight hours per week is automatically covered including for accidents outside work and does not need to purchase accident insurance.

Supplementary insurance

Health insurance – Supplementary insurance

If you want your health insurance to cover services that are not part of the basic insurance cover, you will find that health insurance companies provide a wide range of supplementary insurance options. For example, you can obtain insurance for additional out-patient medical services (orthodontic treatment for children, complementary medical treatment such as osteopathy) or more comfort or a free choice of doctor when spending time in hospital.
More freedom for the health insurance companies

Supplementary insurance is not a form of social security. You decide whether you want it or not, and insurance companies, in contrast to basic insurance, are not obliged to offer you the desired cover. The insurance companies can also adjust the premiums to take account of your age, state of health or gender.
Health questionnaire required

Before you are offered supplementary insurance, the health insurance company will ask you to complete a health questionnaire. The terms on which the desired insurance is offered will depend on the answers to these questions about your health. Complete the questionnaire to the best of your knowledge and belief, because the health insurance company may subsequently change the terms of your insurance or even terminate your policy if the information you give proves to be wrong.
Avoiding extra conditions, refusal of insurance and health questionnaires

If you want supplementary insurance for your child, then it is better to apply for the insurance before the child is born. If you register your child before the birth, the health insurance company will often guarantee that the child will be insured without the need to complete a questionnaire. Commonly, children have supplementary insurance for dental treatment (orthodontics). You should also obtain this insurance as early as possible. After a certain age, the health insurance companies will require a prior dental examination.
What to bear in mind when taking out insurance

Often supplementary insurance is not simply offered for a specific service but for a package of services. If you decide to take out supplementary insurance, make sure that you are not insured twice for the same service. When obtaining supplementary travel insurance (often worthwhile when travelling abroad), check if you are not already insured by your credit card company or under your car insurance, etc.
What to bear in mind when cancelling a supplementary insurance policy

Think carefully before cancelling an existing supplementary insurance policy: do you really have no further need for it, because there is no guarantee that you will be offered this insurance again (e.g. if your health deteriorates). Find out about the relevant periods of notice when cancelling a policy.

Supplementary hospital

General Hospital Ward
General ward whole of Switzerland – For the coverage outside the canton of residence in the general ward of a hospital, the hospital supplementary insurance “general ward whole of Switzerland” is sufficient. You will be accommodated in a multi-bed room in the general ward of the hospital of your choice.

Summary of the benefits:
You are free to choose the hospital you want anywhere in Switzerland.
You will be accommodated in a multi-bed room in general ward.
Semi-Private Hospital Ward
These hospital supplementary insurances enable a free choice of doctor, a stay in a 2 bed room and cover the costs of delivery in a private clinic or outside the canton of residence.

Summary of the benefits:
You enjoy a high level of privacy and comfort in a two-bed room (semi private).
You are free to choose your own doctor in hospital: for instance, you might want to be operated on by the head physician.
You are free to choose the hospital you want anywhere in Switzerland.
Private Hospital Ward
These hospital supplementary insurances enable a free choice of doctor, a stay in a 1 bed room and cover the costs of delivery in a private clinic or outside the canton of residence.

Summary of the benefits:
You enjoy a high level of privacy and comfort in a one-bed room (private).
You are free to choose your own doctor in hospital: for instance, you might want to be operated on by the head physician.
You are free to choose the hospital you want anywhere in Switzerland.

Comprehensive coverage for your travel abroad.

Swiss people are travelling more and more! Whether it is for business reasons,
holidays or family visits, opportunities to travel abroad are on the rise.
Are you insured in case of illness or accident abroad?

With Mondia insurance, you are covered all the year round in case of illness or accident abroad.
Mondia benefits
> Mondia covers, complementarily to compulsory health insurance, the following expenses up to
CHF 100,000/year:
> Outpatient treatment and hospitalisation
> Medically-prescribed transport
> Repatriation to Switzerland
> Search and rescue
> Visit by a close relative in case of hospitalisation longer than seven days
Any necessary vaccinations before departure
> A lump-sum death benefit of CHF 5,000

For only CHF 6.00 per month !

References

What our Clients say?

Very nice guy! excellent and professional service, and quick respond to every question I had.

Zhongyi January 05, 2015

I wanted the cheapest and most basic policy for the mandatory insurance.
This guy gave me 3 quotes quickly from different providers and was the cheapest i could find.

Alexander Von Känel JJune 12, 2016

Very good service. Extremely efficient. Available to answer to any question. Helps after the contract is signed.
Highly recommended !

Alex Cardin Dec 23, 2015

HIGHLY RECOMMENDED!

After using services of one of the local insurance providers for a year, I decided to find a new one with better terms. Luckily, I met Mr. Bender, who has kindly provided me with a detailed explanation on insurance services, providers and their prices available in Switzerland. This is when I found out that I can get the services provided by my current insurance company for much less price with other insurance providers.

Mr. Bender helped me not only by providing thorough information on various insurance providers, but also with all logistics related to changing the insurance company. Given his knowledge and contacts in the field, all paperwork was done only in a few days.

My current insurance package is much cheaper than my previous one and it covers all the same basic services as the previous one. In addition, Mr. Bender is always available to answer any question I may have related to the available medical services and/ or doctors.

Irinulik Mar 17, 2016

Outstanding service:
- Great explanation,
- Represents a wide range of contractors which provides customers with a lot of choices;
- Helps after the contract is signed;
- Extremely efficient.

Dessi D Apr 3, 2016 by Des

Company informations

Bestinsurance Consulting
Alexandre Bender

Place des Philosophes 12
Geneva

Contact details

E-mail address:
contact@health-insurance-switzerland.ch

(+41) 76 745 87 13

Available 8:00am - 5:00pm