Overview of insurance products
Cross-border commuters residing in another EU/EFTA country
What are the conditions?
- Employment in Switzerland only
- Employment in several countries
- Family members
Employment in Switzerland only
If employed exclusively in Switzerland, cross-border commuters and their non-employed family members are obliged to take out insurance in Switzerland.
Upon request, cross-border commuters who live in Italy or Austria can be released from the obligation to take out health insurance in Switzerland if they can prove that they are sufficiently insured for healthcare costs that may arise in their home country and in Switzerland. This request must be made within three months of the date on which the cross-border commuter permit becomes valid. The choice cannot be reversed.
Cross-border commuters from any of the other EU/EFTA countries do not have the right to choose this option: they must take out insurance in Switzerland (place of employment principle).
Family members include spouses and children up to their 18th birthday as well as children up to the age of 25 that are still in education.
If one of the children's parents is employed, unemployed or drawing a pension in the country of residence, the children must be insured together with this parent in the country of residence.
Insurance cover begins the moment you commence employment in Switzerland, provided registration takes place within the deadline prescribed by law of three months from the date on which you commence employment.
If you are late registering, contact our specialists at the Customer Service International on +41 844 46 84 47. They can assist and advise you.
Employment in multiple countries
Are you employed in more than one country? Contact our Customer Service International on +41 844 46 84 47 for a consultation.