Anyone living in Switzerland generally needs health insurance under the applicable rules. The mandatory basic health insurance (obligatorische Grundversicherung) covers a legally defined basic range, while supplementary insurance policies are separate voluntary contracts. Premiums, deductible (Franchise) and co-payment (Selbstbehalt) are different things. The premium is paid regularly, the deductible is an agreed amount paid by the insured person per period, and a further share of the costs may remain payable afterwards. Depending on the insurance model, treatment begins at a general practice, a healthcare network or a telephone advice service. Anyone who does not follow the prescribed route may have difficulties with cost coverage. Pharmacies provide advice for minor complaints, medicines and the question of whether medical attention is needed. For complaints that persist, are unusual or are severe, medical assessment is important. An appointment is usually arranged for planned treatment. An insurance card, medication list and any existing medical records help the treating service. In a genuine emergency, rapid help matters. For urgent but non-life-threatening complaints, medical emergency services or other regional points of contact are available depending on the location. Bills may be settled directly between the healthcare provider and the insurer or may first arrive with the insured person. Bills, reimbursements and medical records should therefore be checked and kept in an orderly manner. Prevention, physical activity, sleep and mental health are also part of healthcare. In cases of emotional distress, a general practice and suitable counselling or specialist services are possible first points of contact.
Health in Switzerland
Healthcare in Switzerland combines mandatory health insurance with medical practices, pharmacies, hospitals and other specialist services. For ordinary complaints, choosing an appropriate first point of contact is sensible, while genuine emergencies require immediate help. The insurance model, deductible and co-payment affect personal procedures and costs.
Tip
Check your insurance model before beginning non-urgent treatment. Keep your insurance card, medication list and emergency contacts readily available. In cases of severe or suddenly dangerous complaints, seek professional emergency help immediately.