How should the foreign tourists be treated?
Health insurance: tourists in Switzerland
People who belong to a statutory health insurance system in an EU or EFTA country may receive treatment for illness, non-occupational accidents or maternity during a temporary stay in Switzerland (vacation, business trips).
With the European Health Insurance Card (EHIC) you are entitled to medical care that proves to be medically necessary, taking into account the type of treatment and the expected length of stay. This means that the sick person does not have to break off their trip in Switzerland in order to be treated in their country of residence. People who do not have their EHIC with them can ask their health insurance company to send them a provisional replacement certificate with a limited validity.
For more information, see the links below for the joint facility KVG.
Tourists from other countries
Tourists from other countries (outside the EU / EFTA) must ensure that they have adequate insurance. It is recommended that you take out travel insurance that covers the costs of medically necessary services in Switzerland.
People who need a visa for the Schengen area to enter Switzerland must take out private health insurance with a minimum coverage of EUR 30,000. For more information, see the website of the State Secretariat for Migration SEM «Short-term stay: entry requirements into Switzerland».
Entry into Switzerland with the aim of settling down
If a person travels to Switzerland with the intention of relocating here (e.g. marriage), compulsory insurance begins on the day of entry into Switzerland - and not at the time of registration at the residents' registration office or the issue of the residence permit. The person must be insured with a health insurance company approved in Switzerland within three months of entering the country. If this deadline is met, the insurance cover applies retrospectively from the time of entry. If this deadline is not met, the person can be officially assigned to a health insurance company - in the event of a delay that is not excusable with a premium surcharge for late joining. She then has to pay for the medical treatment herself before the date of joining.
People who are in Switzerland solely for medical treatment or a cure are not entitled to be insured with a Swiss health insurance company.
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