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Health insurance
Ericare Insurance Provide Health insurance Plan
Health insurance in Switzerland is mandatory for all residents and ensures that every individual has access to medical care.
Compulsory Health Care Insurance (Basic Insurance): Every person residing in Switzerland is legally required to have basic insurance, which provides a set of benefits for sickness, accidents, and maternity.
Premiums: The premiums for basic insurance vary depending on the insurance company, place of residence, age, and chosen model. There are no uniform premiums, and insured individuals have the option to change providers annually to benefit from lower premiums.
Deductible
The deductible is the amount the insured must pay each year before the health insurance starts covering the costs. The minimum deductible for adults is 300 CHF, but it can be voluntarily increased, leading to lower monthly premiums.
Additional Insurances
In addition to basic insurance, individuals can also take out supplementary insurances, which cover services not included in the basic insurance, such as alternative medicine, eyeglasses and contact lenses, or private/hospital rooms.
Insurance Models
There are various models of basic insurance, such as the family doctor model, the HMO model, or the Telmed model, each with different premiums and features.
Premium Reduction
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