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Swiss insurance information for expats

An overview of common insurance and administrative steps after moving to Switzerland. It is general information, not an insurance offer or a personalised recommendation.

Key topics

Topics to check after arriving in Switzerland

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1. LAMal health insurance

Swiss rules include compulsory basic health insurance. Check the applicable deadline, available models and the official information for your canton.

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2. 3rd pillar (3a)

Voluntary retirement savings may have tax implications. Current limits and eligibility must be verified with official sources or a qualified adviser.

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3. Liability + household

Rental agreements and personal circumstances can make private liability and household coverage relevant. Read the terms of any proposed policy carefully.

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4. Tax declaration

Tax rules depend on your residence status, canton and income. Check the requirements with the competent tax authority before filing.

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5. LPP / 2nd pillar

Occupational pension arrangements are generally organised through an employer. Your pension fund can explain your own coverage and available options.

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6. Legal protection

Legal expenses insurance is optional. Review the scope, exclusions and waiting periods before choosing coverage.

How to use this information

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    Start with the official source
    Confirm deadlines, eligibility and benefits directly with the competent authority, pension fund or insurer.
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    Compare documents, not slogans
    Terms, exclusions, premiums and eligibility determine whether an option fits your situation.
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    Keep your circumstances in view
    Your canton, permit, employer and household can affect the steps that apply to you.
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    Ask for a qualified professional when needed
    For a personalised insurance, tax or legal decision, contact an appropriately authorised professional.