Frequently Asked Questions

What to do in a medical emergency in Switzerland if you are not (yet) insured or are visiting from abroad.

Your right to study your medical file without the doctor being present — what it means and how to use it.

The franchise, co-insurance, and other reasons Swiss insurance does not mean zero bills.

What qualifies as a medical emergency in Switzerland, and where to go for different levels of urgency.

How to challenge a denied claim, dispute a bill, or file a complaint against your insurer or provider.

How to evaluate Swiss health insurers beyond the premium — service quality, claims handling, and what matters.

How your insurance model affects your freedom to choose doctors, specialists, and hospitals.

The annual switching deadline, how to compare, and the step-by-step process to change your KVG insurer.

What happens when you enrol late — canton assignment, surcharges, and how to fix it.

How the Spezialitätenliste works, generic substitution, and what you pay at the pharmacy.

Franchise exemptions, covered services from prenatal to postnatal, and insuring your newborn.

Emergency coverage abroad, EHIC rules, and why travel insurance is still essential.

Prior authorization from your insurer — when it is needed, who requests it, and what happens if it is denied.

Your right to a second opinion, how to request one, and what your insurance covers.

Prämienverbilligung explained — income thresholds, how to apply, and cantonal differences.

Your patient rights, the ombudsman system, and how to escalate medical concerns in Switzerland.

Rules for importing personal medication into Switzerland — supply limits, controlled substances, and customs requirements.

How to find healthcare providers who speak English — directories, interpreter services, and practical tips.

What to do if you cannot afford healthcare costs — subsidies, social assistance, debt counselling, and support programs.

How to file a formal complaint against a doctor or clinic — the cantonal authority process, patient ombudsman, and legal options.

Emergency mental health contacts and services in Switzerland — crisis hotlines, psychiatric emergency care, and immediate help.

Gender-affirming care coverage, PrEP access, LGBTQ+-friendly providers, and anti-discrimination protections.

Going abroad for dental or elective care — coverage rules, risks, costs, and what your Swiss insurance will and won't pay.