since the entry into force of the Agreement on the Free Movement of Persons between Switzerland and the EU, the place of work determines whether or not you are covered by health insurance. Cross-border commuters who live in France, Germany, Italy or Austria in particular and work in Switzerland have a right to choose with regard to health insurance. They can choose whether they want to be insured under the health insurance scheme of their country of residence or in Switzerland under the KVG (compulsory health insurance). If the cross-border commuter has chosen one system, he cannot change to another health insurance system according to the law/agreement between the EU and Switzerland.
Cross-border commuters from France have only the following two possibilities to insure themselves:
- "Couverture Maladie Universelle" CMU (system France) more about this on ameli.fr
- According to Swiss KVG-EU tariff (Swiss system). If you choose the Swiss insurance system, you must insure yourself within 3 months with a Swiss KVG insurer at the EU rate
KVG-EU tariff ranking list for 2023* (Adults)
- Helsana CHF 162.80 pro Monat, international.1 @ helsana.ch
- Moove Sympany mit CHF 249.30, service@ sympany.ch
- Provita (SWICA) CHF 259.40, novartis@ swica.ch
The verification of compulsory insurance is regulated on a cantonal basis in Switzerland.
Each canton is responsible for verifying the insurance obligation for its residents or cross-border commuters. The Gemeinsame Einrichtung KVG assumes this task for the cantons of Aargau, Appenzell Ausserrhoden, Basel-Landschaft, Basel-Stadt, Glarus, Uri as well as for the municipalities of Cham, Risch Rotkreuz, Steinhausen and the city of Zug. Request for exemption
*Caution when changing status cross-border commuter to status domicile Switzerland or vice versa!
- Let's assume your current status is "cross-border commuter France or Germany" and you pay e.g. a monthly adult premium at Provita (Swica subsidiary for the cross-border commuter collective) of CH 287.30. In October you plan to give up this status to change to Switzerland, so you change your status from a.) cross-border commuter to b.) status "resident Switzerland".
- Important: Inform your health insurance company, in this example "SWICA", within 3 months from the beginning of the new status. Inform your health insurance company that you would like to have a new offer, e.g. instead of a Provita offer, you would like to have a Swica offer. If you miss this deadline of 3 months, you are "trapped" in the Swiss tariff of Provita for the following year - in this example - and can mean painful premium increases of over 200%! The complexity, has to do with the insured structure (an EU cross-border collective is not the same as a Swiss/Cantonal insured collective!).
- The health insurers are bound by the legal foundations (Art. 35 para. 2 BV) and must observe the other principles of constitutional and administrative law, such as the principle of equality (principle of legality). This means that after missing this deadline, - even with the reasoning "I did not know that" or "I was not told that" - would violate the principle of legality and is therefore legally not heard. As the saying goes, " Lack of knowledge does not protect from punishment".
- Please inform the Novartis Service Center at Swica in good time of your intention to change your status and request the corresponding offer for an internal health insurance change. Or get in touch with us. As you can see - as an immigrant you have to think about a lot of things. We will be happy to assist you with our professional qualifications.
If you have any further questions regarding compulsory insurance, please contact the relevant offices directly:
Home insurance (private liability with contents for tenants or landlords) and car insurance
Tip: Go personal to the agency and get quotes each from:
- GROUPAMA in Saint Louis (F)
- ALLIANZ and