Health insurance

Since the Agreement on the Free Movement of Persons between Switzerland and the EU came into force, the place of work has determined who joins the health insurance scheme.  Cross-border commuters who live in France, Germany, Italy or Austria in particular and work in Switzerland have the right to choose their health insurance. They can choose whether they wish to be insured under the health insurance scheme of their country of residence or in Switzerland under the KVG (compulsory health insurance). Once the cross-border commuter has opted for one system, they cannot switch to another health insurance system under the law/agreement between the EU and Switzerland.

Cross-border commuters from France only have the following two options for insuring themselves:

  • "Couverture Maladie Universelle" CMU (France system) more about this on  
  • According to the Swiss KVG-EU tariff (Swiss system). If you opt for the Swiss insurance system, you must take out insurance at the EU tariff with a Swiss KVG insurer within 3 months

KVG-EU tariff Premium overview*

Verification of compulsory insurance is regulated at cantonal level in Switzerland.

Each canton is responsible for checking the insurance obligation for its residents or cross-border commuters. The Gemeinsame Einrichtung KVG carries out 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.


*gesamtbericht_eu.pdf (

Information sheet in the event of an accident during treatment in France and Germany

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If you have any further questions regarding compulsory insurance, please contact the relevant offices directly:

In Switzerland:

Gemeinsame Einrichtung KVG: Contact

In France:

Ameli: Vous êtes frontaliers suisse 


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)
  • AXA 
  • ALLIANZ and