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Welcome to Switzerland

Are you new in Switzerland? Every country has its own regulations. To help you get off to a good start, this page contains everything you need to know about Switzerland’s health insurance system.

The health insurance system in Switzerland

Switzerland's insurance system has three main elements: mandatory basic insurance, voluntary hospitalisation insurance, and other voluntary supplementary insurance options.


Swiss residents must have mandatory basic insurance with a Swiss health insurer. Health insurance protects you against the financial risks of illness, accident and maternity.


Supplementary insurance plans, which meet the needs of each individual, can be purchased to provide access to additional medical services (e.g. complementary medicine, contributions towards health promotion activities such as gym memberships, or higher contributions towards glasses and contact lenses).


Hospitalisation insurance can be taken out to provide greater freedom when choosing a hospital and for additional benefits during a hospital stay.


If you would like to register for health insurance in Switzerland, it’s best to ask for a quotation for mandatory basic insurance and any supplementary insurance plans which you require at the same time.

SWICA has branches in every region of Switzerland. Qualified customer advisors find the best possible insurance cover for each individual. It makes good sense to ask for professional, individual and personal advice.

You can contact our customer service desk on 0800 80 90 80 or +41 52 244 28 28 – 24 hours a day, 7 days a week.

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Your SWICA advantages

Outstanding customer satisfaction

SWICA is proud to have received top ratings for customer satisfaction and image in independent surveys conducted by companies such as Comparis, K-Tipp and amPuls. These results motivate us in our efforts to continue delivering the best customer service and quality.

Attractive premium discounts and no non-cancellable multi-year contracts

SWICA's insurance solutions and services offer you the best value for money at every stage in life. Attractive premium discounts from the BENEVITA bonus programme, group partnerships, and a choice of alternative basic insurance models will relieve the household budget by several hundred francs a year. Because SWICA does not tie its policyholders into multi-year contracts, customers always enjoy maximum freedom of choice and the right insurance cover.

Low co-payments

SWICA and PROVITA are the only health insurers that apply co-payments from their basic insurance plans to those from SWICA supplementary insurance, which means the maximum annual co-payments will be much lower when compared to other health insurers.

Generous contributions of up to CHF 800 per year for prevention and fitness

SWICA Fitness Gesundheit Sportverbaende Rabatt Zusatzversicherungen
SWICA rewards activities relating to fitness and prevention, such as exercise, nutrition and relaxation (e.g. fitness centres, nutritional advice, yoga, numerous sports associations) with generous contributions of up to CHF 800 a year.


Worldwide customer service und health advice around the clock

SWICA sante24

If you have questions about your insurance cover, SWICA customer service is there to help you on 0800 80 90 80 or +41 52 244 28 28 (24 hours a day).

santé24 helpline provides advice on health-related issues. Experienced doctors and medical specialists from santé24 offer you expert advice on all questions relating to prevention, health, accidents and pregnancy – worldwide, around the clock, 365 days a year. Phone +41 44 404 86 86.

Simple, rapid and secure service with the SWICA apps

Thanks to the SWICA apps you can access a range of services. You can use an app to send claims-related documents to SWICA, which means that you always know which invoices you have submitted and can easily track the status of your claims.

BENEVITA not only helps you to keep healthy but will also enable you to collect to bonus points and reduce your premiums.

With BENECURA you have your health in your hands. If you have a health issue or become ill, you can use the SymptomCheck function to find out more about it. The result is a personal recommendation about what to do next. And you can always rely on the santé24 helpline for medical advice. BENECURA also has a medical and medication lexicon, a valuable reference work to help you to help yourself.

Up to 15% premium reduction, thanks to the BENEVITA bonus programme


Thanks to the BENEVITA bonus programme, you can influence the premiums for COMPLETA TOP and HOSPITA supplementary plans through your active and healthy life. This pays off twice – for your health and for your household budget.


Participation in the BENEVITA is free of charge.

Personal support through the Home Nanny or Home Attendant service

SWICA Homenanny

Getting proper and caring support for your child after an illness or accident can put a lot of strain on the parents. Thanks to the Home Nanny service, you can be sure to get the help you need in order to provide your child with personal care. This service is also ideal for ill or injured parents who are temporarily unable to look after their child.

With its Home Attendant service, SWICA can assure you that your home and pets are in good hands if you need to go to hospital or stay at a medical spa. Whether you need someone to feed the cat, water the plants or empty the letterbox, you can count on the professional services of our experienced home attendants.

Equal consideration of conventional and complementary medicine

SWICA Therapie
SWICA is dedicated to bridging the gap between conventional and complementary treatment methods and encourages any measure that benefits your health. It therefore supports alternative treatment methods and regards them as equal to traditional medicine.


What our customers have to say. 

«I came to Switzerland from Germany in 2017 to join my boyfriend. I signed up with SWICA thanks to positive recommendations. I had the feeling right from the start that SWICA was the right insurer for me. I was offered exactly what I wanted and at a fair price!»

SWICA Bewertung 5

– Theresa Blüder –

«I arrived in Switzerland at the start of 2016. The SWICA customer advisor took me through the entire system in great detail and with enormous patience and explained what I had to look out for as regards insurance and what was right for me. With SWICA I feel that I’m taken seriously, in safe hands and fully supported. Simply wonderful!»

SWICA Bewertung 5

– Claudia Esser –

SWICA Insurance solutions

From basic and supplementary to hospital insurance, SWICA has solutions to give you and your family the individual cover you need.

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Tips for moving to Switzerland

Here you'll find useful information and links related to life in Switzerland.

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