Switzerland consistently ranks among the best healthcare systems in the world, but that quality comes at a cost that catches many new residents off guard.

How it works

Every resident must buy basic health insurance from a private provider. The state does not run the insurers, but it tightly regulates what basic plans must cover, ensuring no one can be refused.

Managing the cost

Premiums vary by region, age and the deductible you choose. Opting for a higher deductible lowers monthly premiums — a sensible choice for the young and healthy. Subsidies are available for lower-income households.

For families moving from India, budgeting for health premiums from the outset is essential when calculating the true cost of Swiss living.