New arrival in Switzerland: getting insured on time
Anyone who settles in Switzerland must join a basic health insurer within three months of arrival.
Updated on 23.09.2026 · Official sources cited
The rules
- Joining within three months takes effect retroactively from the day of arrival.
- After that, cover only starts on the date you join and a premium surcharge may be charged.
- The canton checks enrolment and can automatically enrol uninsured people.
Other useful insurance
- Private liability and household insurance as soon as you move in
- Vehicle insurance if you import your car
- 3rd pillar as soon as you work in Switzerland