HEALTH INSURANCE COVER TAILORED TO YOUR NEEDS.
LAMal is compulsory, but the choice of insurer, model and deductible is yours. In just a few minutes, we compare the entire market to help you save.
HOW DOES LAMAL WORK?
Benefits, premiums, deductibles and insurance models: discover the essentials for understanding your health insurance and making the right choices. Compulsory health insurance follows rules common to all insurers, but several factors affect your premiums and the terms of your cover.
Compulsory basic insurance (KVG/LAMal)
Compulsory for everyone resident in Switzerland, LAMal covers essential medical care. The benefits are set by law and are identical with every health insurer.
Health insurance premiums
The amount of your premium depends in particular on your health insurer, your region, your age group and the model you choose. For identical statutory benefits, rates can vary considerably.
Deductible and co-payment
The deductible is the annual amount of medical costs you pay yourself before your insurer starts to contribute. A co-payment of 10% then applies, within the limits set by law.
LAMal insurance models
Standard model, family doctor, HMO or telemedicine: several options are available. Alternative models generally let you reduce your premiums in return for specific rules on how you access care.
YOUR LAMAL DESERVES MORE THAN A SIMPLE COMPARISON
Discover the benefits of professional support in managing your health insurance in Switzerland, simplifying the paperwork and defending your interests.
NO-OBLIGATION AUDIT
Insurance review
We analyse your current policies to identify possible savings, unnecessary cover and any gaps, with no obligation to change insurer.
ZERO PAPERWORK
Hassle-free switching
Cancellation, new enrolment and administrative formalities: we support you through your change of LAMal health insurer, from start to finish.
PROFESSIONAL EXPERTISE
An expert by your side
Benefit from the expertise of a Swiss health insurance specialist to make informed decisions and optimise your cover over the years.
THE BIG PICTURE
Optimising your insurance
LAMal, supplementary insurance, pension provision and tax: we look at your situation as a whole to identify optimisation opportunities beyond your health insurance.
Switching health insurer — simple and free
You can cancel your health insurance every year by 30 November (effective 1 January). There are no cancellation fees. We handle every step: cancelling your old insurer, signing up with the new one and following up on the transfer.
Our analysis is entirely free and without obligation. We are paid by our partner insurers, at no extra cost to you.
Premiums, deductibles, switching health insurer and reimbursements: find answers to the most frequently asked questions about compulsory health insurance (LAMal) in Switzerland.
EVERYTHING YOU NEED TO KNOW ABOUT HEALTH INSURANCE IN SWITZERLAND
When and how can I switch health insurer in Switzerland?
You can generally change your LAMal health insurer on 1 January each year. Your insurer must receive your cancellation by 30 November at the latest. In certain situations, a change on 1 July is also possible, subject to conditions.
Are LAMal benefits the same with every health insurer?
Yes. In Switzerland, the benefits of compulsory health insurance are set by law and are identical with every insurer. Premiums, on the other hand, can vary considerably depending on the health insurer, your region, your deductible and your insurance model. Comparing offers therefore lets you save money without losing any statutory benefits.
Which health insurance model should I choose: family doctor, HMO or telemedicine?
Alternative LAMal models generally let you reduce your premiums in return for certain rules on consultations. The family doctor model puts your GP first, the HMO model a healthcare network and telemedicine an initial medical contact by phone or online. The best choice depends on your habits and your healthcare needs.
Which LAMal deductible should I choose: CHF 300, 500, 1'000 or 2'500?
A high deductible lowers your monthly premiums but increases the medical costs you have to cover yourself. Conversely, a low deductible generally means higher premiums but limits your initial contribution to healthcare costs. At Veltica, we compare the different scenarios to identify the most advantageous deductible for your situation.
How can I pay less for health insurance in Switzerland?
There are several ways to reduce your LAMal premiums: comparing health insurers, adjusting your deductible, choosing an alternative model or checking whether you are entitled to cantonal premium subsidies. The statutory benefits remain the same, but the rules on consultations may vary depending on the model you choose.
Who can receive health insurance premium subsidies in Switzerland?
In Switzerland, individuals and families on modest or middle incomes may, depending on their situation, receive subsidies to reduce their LAMal premiums. Eligibility conditions and amounts vary according to the canton, income, assets and household composition. At Veltica, we help you identify ways to reduce your health insurance premiums.