Getting health insurance in Switzerland with pre-existing health issues

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2145

Hi all. I will be relocating to Switzerland shortly and want to know whether I will be able to get health insurance there although I have serious health issues. From what I gather, it seems health insurance in Switzerland is obligatory by law. Does that mean insurance companies cannot refuse to take me on even though I am obviously a poor investment? How would my health problems affect my premiums and deductible?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Basic health insurance is obligatory in Switzerland and you will be required to take out a compulsory health insurance policy after arriving in Switzerland. Insurance companies have to accept you as a basic health insurance customer regardless of your health condition. You do not have to take medical examinations or provide proof of good health to be eligible.

Basic health insurance covers almost all major healthcare expenses. You can find a list of coverage provided here:

/en/basic-swiss-health-insurance-costs-covered-overview

In addition to basic health insurance, Swiss insurance companies also offer various supplementary insurance policies. Insurers can accept or deny applications for supplemental health insurance, such as extra coverage for medical care abroad or private-ward hospital insurance, based on your health and other criteria.

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Low-Cost Bank Accounts & Debit Cards

Swiss Bank

Bank WIR Bankpaket Top

  • Best exchange rate: pay worldwide at the interbank rate

  • 24 free ATM withdrawals worldwide per year

  • Free account & card

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

Start-up offer for new entrepreneurs

PostFinance

  • For startups

  • 2 year's free account management

  • Free credit card in the first year

Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

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Bank WIR Bankpaket Top

Best exchange rate: pay worldwide at the interbank rate