Switzerland has a high-quality healthcare system, but finding the right health insurance as a foreigner is tough. If you’re new to the country, you legally must be insured within 3 months of your arrival. That’s why we’ve put together a list of the top health insurance providers for foreigners in Switzerland, each with unique benefits. Here’s our top 8 recommendations for 2024, formed by our independent insurance experts:
Helsana is one of the largest health insurance companies in Switzerland, known for its reliability and extensive coverage. They offer wide support and have a large network of healthcare providers, which enables them to develop attractive insurance offers for a great value.
Why choose Helsana?
Swica focuses on preventive healthcare, offering plans that include wellness programs, preventive care and a focus on families. This approach makes Swica popular among health-conscious expats. Swica also was the first ever insurer to introduce a pharmacy-tele insurance model.
Why choose Swica?
Sanitas is known for its wide network and excellent customer service. They offer a variety of plans for individuals, families, and seniors. Their digital tools make managing your health insurance easy with online consultations and straightforward claim submissions.
Why choose Sanitas?
Concordia is great for families and individuals seeking personalized service. They offer various plans to suit different needs and budgets, making them a versatile choice for expats. Customers and their families also benefit from substantial discounts starting from the third child.
Why choose Concordia?
Sympany offers clear and straightforward health insurance solutions. Their plans are easy to manage and provide great value for money, ideal for expats seeking a hassle-free experience. Sympany puts special focus on customer satisfaction, being Switzerland’s first ever insurer to form a customer advisory council, made up of real everyday clients.
Why choose Sympany?
Innova provides tailored health insurance solutions with a focus on customer satisfaction. Their flexible plans are convenient for expats new to Switzerland. Curiously, they’re one of the few that offer special a special supplementary insurance discount for non-smokers.
Why choose Innova?
Atupri is known for its modern approach, with a strong focus on digital solutions. They offer competitive premiums and a range of plans that appeal to younger and tech-savvy expats. Despite this, Atupri still has long, local ties to Swiss history - Atupri originally started in the year 1910 as the SBB’s internal insurance provider.
Why choose Atupri?
CSS is a trusted name in the Swiss health insurance industry, known for its stability and comprehensive service. They offer a broad range of insurance plans to cover all your healthcare needs. The company was founded in Lucerne in the late 19th century, making it one of the oldest health insurers in Switzerland – this long history reflects in the knowledge & service they provide.
Why choose CSS?
The costs of healthcare are rising in Switzerland. Both the insurance premiums and the actual health services are getting more expensive. Foreigners are often surprised that basic health insurance won’t cover essentials like dental care or alternative treatments.
The worst-case scenario is that you end up with uncovered healthcare costs in the thousands, and still never received the treatments you wanted. To avoid this and ease the strain on your budget, choosing the right health insurer for your needs is crucial. Your insurance provider can advocate for you, support you in emergencies, and offer insurance packages that uniquely benefit you.
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You’ve newly arrived in Switzerland, concluded your basic health insurance on time, and started to settle in. Yet the first time you have actual healthcare expenses, you get stiffed with a high bill and rightfully ask yourself “how is THIS not covered by basic insurance?”.
For foreigners moving to Switzerland, understanding the health insurance landscape is crucial. This guide will show you how to find the best health insurance available in 2024. The government mandates a basic health insurance plan, but you can also choose additional, private supplementary insurance for better coverage.
