2025 Swiss Health Insurance: What You Need to Know & How to Choose the Best Provider

Navigating Swiss health insurance in 2025 can feel like an uphill climb, especially with premiums rising by an average of 6% this year to CHF 378.70 per month (Le News, 2024). Not to worry, Fjnch has got you covered!

Even if you’re on a tight budget or simply want to make smarter choices, let’s break down what you need to know to find the perfect health insurance plan for you this 2025.

What You Need to Know

First, here’s the deal: health insurance is mandatory in Switzerland. Everyone has to have basic insurance, also known as LaMal (French)/KVG (German). This insurance ensures access to essential medical services, as defined by the Health Insurance Act (HIA):

• Doctor visits

• Hospitalization in a general ward at public hospitals

• Emergency medical care

• Prescribed medications

• Maternity care

• Preventive treatments (vaccinations, screenings, etc.)

Regardless of the provider, basic insurance offers identical coverage, as regulated by the government.

In 2025, rising healthcare costs, an aging population, and new treatments are driving up prices. So, choosing the right plan is all about balancing affordability and coverage.

Supplementary Insurance (VVG): The Extras You Might Want

This part is optional, but it’s a total game-changer if you want extra perks like:

• Private or semi-private hospital rooms

• Dental care (because basic insurance doesn’t cover it!)

• Alternative treatments (acupuncture, homeopathy, etc.)

• International medical coverage

• Vision and wellness treatments

In 2025, rising healthcare costs, an aging population, inflation, and new treatments are driving up prices. So, choosing the right plan is all about balancing affordability and coverage.

Comparing Insurance Providers

The list of providers and their strengths/weaknesses is mostly accurate. However, the average monthly premiums for 2025 have increased. The new national average is CHF 378.70 per month, a 6% increase from the previous year. Individual insurer premiums may vary from this average.

It must be noted that while premiums differ, the basic insurance offers the same service by law. Experts recommend comparing premiums annually and switching providers if necessary to save money. Also, choosing the right deductible and insurance model can make a huge difference.

Deductibles & Premiums

Deductibles are the amount you pay before insurance starts covering costs. For 2025, the standard deductible remains CHF 300 for adults and CHF 0 for children. The optional higher deductibles for adults are still CHF 500, 1000, 1500, 2000, and 2500.

The maximum premium reductions for 2025 based on deductible levels are as follows:

Cost-Saving Strategies

Your information on cost-saving strategies is accurate. These alternative models can indeed help reduce premiums. For example:

• The Medbase MultiAccess model offers discounts between 10% and 15%.

• The NetMed model provides discounts between 7% and 19%.

• The CallMed model offers discounts between 7% and 12%.

• Sanitas' PrimaFlex model for 2025 can save up to 27% on premiums.

  
  

Additionally, some insurers are introducing new models to provide further savings.

Expats & Foreigners: Special Considerations

Do Expats Need Swiss Health Insurance?

Yes, unless covered by an exemption (e.g., international organizations, some student visas). Expats must register for insurance within 3 months of arrival.

EU/EFTA vs. Non-EU Residents

• EU/EFTA citizens: May qualify for coverage under their home country’s system (e.g., EHIC card), but Swiss insurance is still required after a certain period

• Non-EU citizens: Must take out a Swiss policy immediately

  
  

Short-Term vs. Long-Term Residents

• Short-term stays (<3 months): Travel insurance may suffice

• Long-term stays (>3 months): Full Swiss insurance is mandatory

  
  

Final Thoughts & Next Steps

Swiss health insurance in 2025 is pricier than ever, but you can still keep your costs under control. The key is choosing the right provider and finding a plan that works for your budget. Before renewing or signing up for a new policy, take the time to compare insurers, pick the right deductible, and explore ways to lower your premium.

Where to Find the Best Deals

• Check comparison websites like Comparis, Priminfo, or Moneyland to see which providers offer the best rates.

• Talk to insurance brokers for expert advice tailored to your needs.

• See if you qualify for government subsidies that can help reduce your monthly premium.

Making smart choices now means you can stay covered without overpaying. Ready to find the best health insurance plan for 2025? Start comparing today!