Cross-border workers: LAMal or French insurance in 2027?
You live in France and work in Switzerland? You have to choose your health insurance: Swiss LAMal or French health insurance. It's called the "right of option".
The deadline not to miss
You have in principle 3 months from the start of your work in Switzerland to exercise your right of option. If you don't choose, you are in principle subject to LAMal. This choice is generally final: take time to compare properly.
The two options
- LAMal: a fixed premium per person, whatever your salary, and access to care in Switzerland. Often attractive for high salaries or if you mostly get treatment in Switzerland.
- French health insurance: a contribution calculated on your income. Often attractive for more modest salaries or families, with treatment mostly in France.
Points to check
- Where will you get treatment most often?
- How many people in your family need insuring?
- Do you need supplementary cover (hospital, dental)?
Read the full cross-border workers' guide
Published on 07.10.2026 · Tigre Assurance
Frequently asked questions
How long do I have to choose between LAMal and French insurance?
In principle 3 months from the start of your work in Switzerland. After that, LAMal applies in principle.
Can I change my mind later?
In general the choice is final, unless your situation changes significantly. Get informed before deciding.