Do I need Health Insurance When Moving to Liechtenstein?

When planning a move to Liechtenstein as an expat or digital nomad, one of the essential considerations is health insurance. Liechtenstein has high standards for healthcare, and while it does have a public healthcare system, newcomers are required to have health insurance coverage that meets specific requirements. This is crucial during the period before obtaining residency or enrolling in the public healthcare system. The insurance must cover a minimum amount of medical expenses, and it is advisable to ensure that the coverage is comprehensive, including hospital stays, emergency services, and possibly repatriation. The length of coverage should extend for the entire duration of your stay or until you are eligible to join the local healthcare scheme.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance policies are designed to meet the needs of individuals living outside their home country, and they often provide the necessary coverage for obtaining residency in Liechtenstein. However, it is crucial to verify that the chosen expat insurance plan complies with Liechtenstein's specific requirements. This means checking that the minimum coverage amounts are met, and that the policy is valid for the duration of your stay or until you can join the local healthcare system. It is recommended to consult with the insurance provider to ensure that the policy is acceptable to Liechtenstein's immigration authorities.

Which local health insurers offer this type of insurance?

In Liechtenstein, there are several local health insurers that offer plans suitable for expats and digital nomads. These insurers provide a range of products that cater to different needs and budgets. Some of the well-known insurance companies in Liechtenstein include Concordia, Swica, and Helsana. These companies have a reputation for offering comprehensive health insurance plans that are compatible with the requirements for residency. They also provide customer service in multiple languages, which can be very helpful for expats who are not fluent in German.

Advice from Expats in Liechtenstein about Health Insurance

Expats living in Liechtenstein often emphasize the importance of obtaining a health insurance plan that not only meets the legal requirements but also provides peace of mind. They advise newcomers to look for plans that offer flexibility in choosing healthcare providers and include coverage for preventive care, as this can be beneficial in the long run. Additionally, it's important to consider the responsiveness of the insurance company's customer service, as well as the ease of processing claims. Expats recommend reading the policy details carefully to understand the coverage limits, deductibles, and any exclusions. Lastly, while cost is a factor, the cheapest plan may not always be the best choice; it's essential to balance affordability with the comprehensiveness of coverage.