Health insurance

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PhD students: Please contact the Welcome Center with all your questions regarding health insurance!

Any person residing in Switzerland for more than three months must be covered by health insurance. The compulsory basic insurance covers medical treatment in the event of illness or an accident.

You are free to choose your insurance company from the approximately 90 different providers. The basic insurance is governed by law and comprises the same benefits for all insurers. The monthly premiums, however, vary between approximately CHF 80 and CHF 350 according to age – it is worth comparing premiums prior to entering into any contract.

Individual insurance companies offer special packages for foreign students. For further information, please see below under "Need a Swiss health insurance plan?".

A few weeks after having registered with the Citizen’s Registry Office, you will receive an official letter requesting you to take out health insurance within three months of entering Switzerland. By the specified deadline, you should have taken out a policy with a health insurance company of your choice. Should you fail to comply with this deadline, you will be allocated an insurer at the discretion of the respective authority.

Exemption from compulsory health insurance

Under certain circumstances, you may be exempt from having to take out compulsory health insurance in Switzerland. This applies in particular to holders of the European Health Insurance Card, and to privately insured non-EU citizens whose insurer is acknowledged by the Swiss authorities.

Detailed information on how to apply for such an exemption can be found in the "Guidelines to an exemption from compulsory health insurance" (PDF, 42 KB). On the reverse side you will find a list of helpful health insurance FAQ's.

Health insurance information event of 23 February 2017

The sliedes of the information event on 23 Feburary 2017 can be found at: Presentation "Health insurance in Switzerland" (PDF, 777 KB).

Example letters from authorities

If you are unsure about the content of a letter you have received from an authority, see the example letters (PDF, 1.9 MB) (for students living in the city of Zurich only!). Please note that these are examples of standard letters and that the content of your specific letter may be different!

Need a Swiss health insurance plan?

Please choose among the following options:

Accordion. Press Tab to navigate to entries, then Enter to open or collapse content.

 

Academic Care - a special package for international students

Academic Care by Groupe Mutuel is a special insurance for international students at very cheap rates. However, Academic Care doesn't operate under the KVG law, so you will need an "exemption from the Swiss health insurance obligation according to the KVG law" if you decide to take it! (the application for this exemption will directly be forwarded to the "Gesundheitsdirektion des Kantons Zürich", the Health Department of the Canton of Zurich, by Groupe Mutuel).

Premiums are currently (2017) as follows: 

  • CHF 90 (with an annual deductible of CHF 500)
  • CHF 105 (with an annual deductible of CHF 100)
  • CHF 110 (with an annual deductible of CHF 0)

Please go ahead as follows:

  1. Wait for the letter from the authorities informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (Groupe Mutuel - Academic Care) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
  2. Visit www.groupemutuel.ch/eth and read everything carefully. Decide on which annual deductible (CHF 500, CHF 100 or CHF 0) suits you best.
  3. Print the Academic Care insurance proposal and form A, fill in both forms and send them to the mentioned address by post or email (scans). Do not forget to add a copy of your residence permit (or, if not yet available, of the "Meldebestätigung") and a confirmation of matriculation at ETH Zurich.
  4. Wait for the insurance policy and the insurance card to be sent to you by post.
  5. Wait for the decision from the Health Department regarding your exemption from the KVG insurance obligation. Once you have received that, the procedure is completed.

Important:

NOT available if you live in one of the following cantons: Aargau, Neuchâtel.

Swisscare - a special package for international students

Swisscare offers a special package to international students at very cheap rates. However, Swisscare doesn't operate under the KVG law, so you will need an "exemption from the Swiss health insurance obligation according to the KVG law" if you decide to take this package!

Premiums are currently (January 2016, Standard plan) as follows:

  • CHF 65 (with an annual deductible of CHF 1000)
  • CHF 83 (with an annual deductible of CHF 500)
  • CHF 99 (with an annual deductible of CHF 300)

In addition, you will have to pay the standard cost contribution of 10%.

Please go ahead as follows:

  1. Wait for the letter from the authorities informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose (Swisscare) under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
  2. Visit https://swisscare.com/en/student-health-insurance-switzerland/, read everything carefully, compare the 3 different insurance plans (Standard, Comfort, Premium) and decide on which one suits you best.
  3. Complete the online application procedure (6 steps).
  4. Open the confirmation email and follow the instructions regarding the exemption from the KVG insurance obligation! It is extremely important to do this immediately!
  5. Wait for the insurance policy and the insurance card to be sent to you by post.
  6. Wait for the decision from the Health Department regarding your exemption from the KVG insurance obligation. Once you have received that, the procedure is completed.

Important:

NOT available if you live in one of the following cantons: Aargau, Neuchâtel, Ticino.

Any plan by any insurance company

Of course you are free to choose an insurance company on your own by using one of the online premium comparison services.

Please go ahead as follows:

  1. Wait for the letter from the authorities informing you that you need a health insurance (this happens AFTER you applied for a residence permit). Fill in the name of the insurance company you are going to choose under "Name der aktuellen Krankenkasse" on the first sheet and send it back using the return envelope you received.
  2. Visit www.comparis.ch or www.priminfo.ch (available in German, French, Italian) and choose your favoured insurance plan.
  3. Oder an offer online via Comparis / Priminfo or visit the website of the insurance company you chose and order it via that website.
  4. Wait for the offer, sign it and send it back to the insurance company.
  5. Inform yourself about an IPR (premium reduction), for which you can apply once you have been living in the same canton for at least 3 months.

How to find a doctor / What to do in case of illness

Information about how to find a doctor and how to get your money back from your health insurance company can be found in our leaflet "What to do in case of illness" (PDF, 34 KB).

Please note: The information on this page is meant for information purposes only. No responsibility is taken for the correctness of this information. The rules and regulations may have changed in the meantime. For legally binding information please contact the respective authorities.

 
 
Page URL: https://www.ethz.ch/en/studies/international-immigration-housing/health-insurance.html
28.06.2017
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