Anyone staying in Switzerland for more than three months, including non-residents, is required to buy private health insurance. All health insurance firms provide a basic coverage that is reasonably priced, and insurers are obliged to insure all applicants. Many people augment their basic insurance with extra coverage.
All Swiss citizens are required to have health insurance, which covers the expenses of medical treatment and hospitalization. Residents must contact insurance providers since employers are not always responsible for obtaining coverage. Even if the policy specifies that it covers medical treatment in Switzerland, most Swiss insurance authorities will not recognize it.
An annual individual health insurance package may cost up to CHF 10,000 depending on the amount of coverage. Residents must additionally contribute to the cost of treatment by paying a CHF 300 yearly deductible and a 10% surcharge on expenses over and above the excess, up to a maximum of CHF 700.
Some companies provide supplemental private insurance plans that cover treatments that are not covered by the basic insurance or that enhance the quality of accommodation and service in the event of hospitalization.