Switzerland’s health care sector is one of the most developed systems globally. Without any surprises, it’s the most expensive one as well. Many people face confusion and evaluation problems for their insurance coverage planning. All residents in Switzerland are required to have basic compulsory insurance, even if you are on a visit visa or have just reached Switzerland. You have only three months to plan about it after landing in the country. The basic insurance plan covers you with illness, treatments, emergencies, accidents, and maternity. All you need to do is select your Basic insurance provider and sign a contract with a government-registered insurance provider. Once you sign up with the policy, you are automatically covered with every medical problem incurred after your arrival.

Understanding the basics of Swiss health insurance

The compulsory basic insurance is regulated by the Swiss health insurance act 1996 and controlled by the administration of FOBH (Federal office of public health). FOPH is responsible for public health affairs. It also manages the other health insurance policies and products, ensuring fair pricing, quality services, and fulfillment of the country’s medical requirements. The overall health system in Switzerland is decentralized, where most of the services are getting handled on the state level or cantonal. The cantonal departments are responsible for financing the medical facilities such as clinics, nursing homes, and even hospitals as their primary objective is to minimize the disease ratio. They also assist you with all the required information and procedure to perform a health insurance comparison. Every individual can choose from a certified list of insurance policy providers, roundabout there are 60+ authorized providers you can select from. All the insurers are by the law obligated to provide similar Basic insurance services to everyone, and they cannot decline your registration request by law.

Basic health insurance covers the medical expenses regarding the diagnosis and treatment, including all consequent treatments. It covers all the tests and their treatment, mental and physical therapies the doctors suggest. 

You can find a complete list of available services with the basic compulsory health insurance online. Sometimes, depending on a person’s health, we say that Basic services are not enough to cover all the healthcare expenses you need. In that case, you can take supplementary insurance services from the current or any other Basic insurance provider. These are the extras that provide a broad list of services. It can cover your physical fitness: a gym or a yoga club, eye care, dental checkup, and much more. You can only claim these services using supplementary services from any provider.

Health Insurance and premiums Comparison

When you compare to getting cheap health insurance premiums in Switzerland, remember it is the prime responsibility of individuals, everyone has their unique needs and requirements. No one can suggest you the best insurance service provider for you. You need to critically consider all the aspects of your life, earnings, and medical conditions to carry out an exact result from the comparison you made. Although there are some ways to evaluate your comparison, whether it’s the one you were looking for or just a randomized one? 

The first important thing is that always use the government information provided on the respective agencies’ comparison websites. It will give you a basic idea of the factors on which the overall price is set. You can try different combinations and check which is the best fit to fulfill your current requirements. Afterward, you can explore a health insurance comparison website that helps you to compare among the current officially available premiums. You will now get an honest and unbiased comparison to lock your final and the cheapest insurance. In the first phase, the comparison websites require you to enter your personal information such as residential state, income, age, etc. In the next phase, you sometimes pick the plan, deductible, and supplementary services. Based on your provided information, the system will shortlist the best suitable providers for you. You can run this comparison many times to keep shortlisting and reach the final one.

The Swiss health insurance system is pretty safe and reliable. You barely find a scammer or a fake insurance provider. You can also run a comparison to find and discover the differences between the government-authorized insurance provider and how they provide their services.

Conclusion

In a run to find cheap health insurance premiums in Switzerland, please note any health insurance comparison site can be tricky, confusing you with many technical jargons. Therefore, having the basic information and how it works can help you interact with the comparison sites. Be very sure that you leverage all the possible resources for extensive coverage of your insurance essentials and make the finest judgment to save money on premiums.