Cross-border workers: choosing the right health insurance
Cross-border workers employed in Switzerland can in principle choose between Swiss health insurance and that of their country of residence. This choice has lasting consequences.
Updated on 23.09.2026 · Official sources cited
The right of option
It must be exercised within three months of starting work in Switzerland. The choice is in principle final, unless your situation changes (end of employment, move…).
LAMal or insurance in your country of residence
- LAMal: fixed premium per person, regardless of income. Insurers apply specific premiums for EU residents. Access to care in Switzerland and in your country of residence.
- Insurance in your country of residence (in France, health insurance via PUMa): contribution based on income. Attractive for large families, less so for high earners.
Other insurance to check
- Vehicle registered abroad and journeys in Switzerland
- Pensions and 3rd pillar, depending on your taxation
- Legal protection covering Swiss employment law