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    Suiza

    Seguro de salud internacional en Suiza

    With its stunning scenery, booming economy, and high quality of life, it’s no wonder Switzerland is a popular choice for expats.

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    Obtén un presupuesto ahora

    If you’re thinking of moving out here or exploring on an extended visit, understanding the healthcare system and having the right health insurance in Switzerland is essential to taking care of all your medical needs ahead of your Swiss adventure.

    How does Switzerland’s healthcare system work?

    Swiss healthcare is privatised and universally available. Having health insurance is compulsory for all residents and non-residents. There isn’t a publicly funded or free service healthcare in the country.

    Read our guide to life in Switzerland
    Cigna Leaf

    Pros and cons of using Switzerland’s public health system

    Ventajas

    • One of the biggest benefits of the Swiss healthcare system is the outstanding quality of care.
    • You’ll typically find that wait times for appointments are fairly short, thanks to the efficiency of the healthcare system.

    Inconvenientes

    • There’s no free healthcare, so health insurance in Switzerland is not only essential, but also compulsory for all residents.
    • Under the Health Insurance Act, every government-appointed healthcare provider in the country has to offer the same level of health coverage and many services are covered by insurance premiums. Having private health insurance in Switzerland can also give you the chance to choose your doctor and have private rooms in hospital.

    What’s the difference between public and private healthcare in Switzerland?
    Público Privado

    Paid for via contributions to treatment or consultation costs.

    Legal requirement. All residents must have private healthcare to cover treatment costs.

    World-class standards of care but need private insurance to use facilities.

    National health insurance doesn’t cover all medical issues, so make sure you check what your package includes.

    Understanding the Swiss healthcare system

    How can international health insurance help you in Switzerland?

    Having international health insurance in Switzerland gives you peace of mind in knowing that your medical costs will be covered if you find yourself in need of care.

    You can pick supplementary health insurance policies to suit your needs, as not all basic policies will cover every service. Check your policy information for more details on what is and isn’t covered.

    Hear from the expats – life in Switzerland
    greenLeaf

    Elegir un seguro de salud internacional

    Para empezar

    Responde a algunas preguntas e introduce tus datos personales para empezar.

    Elige tu plan de seguro

    Compara planes y encuentra un paquete flexible que se adapte a tus necesidades.

    Protégete

    Recibe tu presupuesto y protégete hoy mismo.

    Cigna Global Health Options (CGHO)
    Silver

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    La ventaja principal de un plan Silver es que proporciona cobertura internacional, tanto hospitalaria como externa, en la que se incluyen ingresos en el hospital y tratamientos.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    • Límite de beneficios anuales: 1 000 000  $

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Cobertura de atención para recién nacidos
    Gold

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Cobertura completa, con límites anuales generales más amplios y beneficios adicionales, entre los que se incluye la atención de maternidad hospitalaria.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    • Límite de beneficios anuales: 2 000 000  $

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Atención de maternidad hospitalaria
    Platinum

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Nuestro nivel más alto ofrece una cobertura anual general ilimitada con la mayoría de los beneficios pagados en su totalidad.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    • Límite de beneficios anuales: Cobertura íntegra

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Atención de maternidad hospitalaria

    • Asistencia de salud mental y conductual completamente pagada

    Plan Cigna Close Care℠
    Close Care
    Cobertura para el país de residencia y para el país de nacionalidad
    Información general

    Un plan de salud básico, diseñado para los que solamente necesitan cobertura en su país de residencia y en su país de origen.

    Módulos adicionales disponibles:

    • Atención ambulatoria y de bienestar
    • Tratamiento y atención odontológica
    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 500 000 $
    • Límite de afecciones: 250 000 $
    • Tratamiento hospitalario y externo
    • Habitación doble
    • Cobertura completa para cáncer
    Cigna Leaf

    Why choose Cigna for health insurance in Switzerland?
    • Access our global network of trusted doctors and medical practitioners, with availability in over 192 countries.
    • 24/7 multilingual services, with English, German, French, Italian and Romansh, ready for life in Switzerland.
    • Find a package that fits with a range of tools and add-ons.
    • Ensure you are within the legal guidelines of Swiss law by protecting yourself with international health insurance.

    Obtén un presupuesto hoy
    Trustpilot
    Preguntas frecuentes
    Is health insurance necessary in Switzerland?

    Yes. You must have some form of health insurance in Switzerland if you’re planning to move here permanently or on a working visa for three months or more. You can choose your own provider and level of cover, but you must have something in place to help cover the cost of your healthcare.

         What are expats not covered for in Switzerland without a health insurance plan?

    Without health insurance, you’re not covered for any medical care. The only exceptions to this are:

    • Pensioners drawing exclusively in an EU or EFTA state.
    • Cross-border workers with international insurance coverage.
    • Students who are temporary residents and have comparable insurance in their home nation.
    • People working for international organisations, embassies, or consulates.
         ¿Tengo que pagar el tratamiento por adelantado?

    We can usually arrange to pay your doctor, hospital or medical professional directly. In some cases, you may need to cover the cost upfront, or at least the minimum amount, and we’ll reimburse you.

         Am I covered for outpatient treatment in Switzerland?

    Our core packages cover most basic outpatient costs, like treatment rooms and surgeon fees.

    However, some uncommon forms of treatment or service may only be covered by our various add-ons and additional packages. Contact our Customer Care Team for more information.

    © 2025 Cigna Healthcare. Reservados todos los derechos.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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