New to Switzerland? 4 health insurance tips from Helsana
You’ve finally arrived in Switzerland. There’s so much to look forward to, but before you settle into everyday life, you need to find a flat, fill in forms and open a bank account. With so much to do, it’s easy to overlook your health insurance.
The Swiss healthcare system is regarded as one of the best in the world, but it’s quite different from the systems in many other countries. Knowing the ins and outs can help you save money and find the right cover.
As Switzerland’s leading health insurer, Helsana offers newcomers knowledge, personal advice and the right insurance solutions. Here are some tips to help navigate health insurance in Switzerland.
Tip 1: Take out mandatory basic insurance early on
People moving to Switzerland are required to take out basic health insurance. They must do so within three months of registering in Switzerland.
The medical benefits covered by basic insurance are stipulated by law, and they are the same across all health insurers. However, there are differences in the insurance models, premiums and services on offer, which is why it’s worth comparing.
Tip 2: Compare premiums, your deductible and services
Many newcomers to Switzerland focus on finding the lowest possible premium. But there are other important factors to consider, including your choice of deductible (Franchise), the services available and the digital options offered.
As well as fitting your budget, your health insurance should suit your personal lifestyle and individual needs.
Tip 3: Check which supplementary insurance benefits make sense for you
Basic insurance covers the most important medical benefits. However, many expats opt for additional cover. This might include medical treatment abroad, contributions to fitness offers such as gym memberships or more comfort during a hospital stay.
You can use supplementary insurance options to tailor your insurance cover to your needs, which may be worthwhile depending on your circumstances.
Tip 4: Enjoy benefits for the whole family
For families, it’s worth taking a closer look at the terms of the contract. If all family members are insured together, you can take advantage of certain discounts.
At Helsana, families can enjoy a 10 percent family discount if all members are insured under the same contract. At the same time, the insurance policies can be tailored to each family member's individual needs.
Helsana can help you get started in Switzerland and find the right insurance cover for your new life.
Design your own insurance package
Put together your own personal insurance package with Helsana’s convenient online premium calculator. Once you enter your gender, date of birth and place of residence, the computer guides you step by step through the selection process. This gives you a quick overview of premiums, benefits and possible combinations.
Free advice on all aspects of health insurance
Find out more by phone on 058 340 90 69 or online at helsana.ch/newcomers.
A guide to getting started: brochure with checklist
Helsana’s free brochure explains all the key steps you need to get started, from registering with the local municipality to choosing the right health insurance. It also contains practical tips on moving, helpful addresses and a compact checklist for the first steps in your new day-to-day life.