Expert Info
on 17 Aug 2011
Any advice on choosing a health insurance provider in Switzerland? We're moving to Zurich, and in the past we've always just accepted whatever provider our employer (in the US) chose for us. Does coverage differ between providers - what can we expect to pay per year per person?
Expat Health Insurance
Cigna Global Health Insurance.
Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider.
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The Swiss government creates rules for a universal basic package that all insurance providers must offer clients. This covers in-patient, out-patient, care for the elderly and disabled, hospital stays, consulatations, etc... It also covers most of a prescription drug cost (though for brand-name pills you might have to pay a small co-pay). Though the package is the same everywhere, the costs will differ according to where you live, not how much you make.
Just one of those things. You can reduce costs by choosing a slightly different model of the basic package, each insurance provider has variations and then discounts attached.
For more info you should check out the Expat Arrivals Healthcare in Switzerland page. It has info on average costs and specifics.