Swiss Healthcare — Explained Simply
Understanding Swiss Healthcare
Clear, practical guidance on the Swiss medical system — for newcomers, expats, and international residents.
Start with Insurance →New to Switzerland? You have 90 days from your arrival date to enrol in mandatory health insurance (KVG/LAMal). Learn where to start →
Where are you in your journey?
Just arrived in Switzerland?
Follow these four steps in order — they cover the essential healthcare decisions every newcomer needs to make.
Enrol in KVG
You have 90 days from registration. Coverage is backdated — don't delay.
Read more →2Choose a model
Standard, Hausarzt, HMO, or Telmed — your model determines your premium and freedom.
Read more →3Register with a GP
Find a GP accepting new patients and register before you are unwell.
Read more →4Understand your bills
Learn why you still receive invoices despite having insurance — and what to do with them.
Read more →What do you need help with?
Start here🚀Getting Started
Enrollment, your first 90 days, premium subsidies, and everything you need to set up before your first doctor visit.
Insurance
Health insurance, accident coverage, supplementary plans, premiums, and how to compare providers.
Explore →🏥Medical Providers
GPs, hospitals, specialists, emergency resources, and other healthcare disciplines.
Explore →🧾Billing & Invoicing
How bills work, what Tardoc is, the difference between ambulant and stationary treatment.
Explore →🔒Data & Privacy
Your data rights in the Swiss healthcare system — DSG and correspondence.
Explore →❓FAQ
Common questions answered: emergencies, billing surprises, and more.
Explore →This site is an independent guide and is not affiliated with BAG, OFSP, or any insurance provider. Information is for general guidance only — always verify with your insurer or a qualified advisor.