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Healthcare and Health Insurance in Switzerland | Expat Exchange
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Afternoon on the Lake in Zug, Switzerland

15 Expats Talk about Health Insurance and Healthcare in Switzerland

By Betsy Burlingame

Last updated on Jun 19, 2023

Summary: The quality of medical care in Switzerland is generally considered to be excellent. Switzerland has a well-developed healthcare system that provides comprehensive coverage for its citizens. The country has a high number of doctors and nurses per capita, and the quality of care is generally considered to be on par with that of the United States. Emergency services in Switzerland are also highly efficient and reliable. In the event of an emergency, you can call the emergency number 144 to request an ambulance.

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How are healthcare services Switzerland?

When we asked expats and global nomads about the quality of medical care in Switzerland, they replied:

"Healthcare services in Switzerland are provided by both public and private providers. The public healthcare system is funded by taxes and is available to all Swiss citizens and permanent residents. The quality of public healthcare is generally high, with a wide range of services available, including primary care, specialist care, hospital care, and preventive care. Foreign residents are also eligible for public healthcare, although they may need to pay a fee for some services. Expats in Switzerland can use the public healthcare system, but they may need to pay a fee for some services. They may also choose to purchase private health insurance, which can provide additional coverage," commented one expat living in Switzerland.

What are medical services in Switzerland like?

When we asked expats and global nomads about the quality of medical care in Switzerland, they replied:

"Health Insurance is mandatory but privately paid by the insured. Cost is regulated for basic requirements but supplemental is at providers discretion. Can be expensive," commented one expat who moved to Lausanne.

"Switzerland has a highly developed healthcare system that provides excellent medical services. The country has a comprehensive network of public and private hospitals, clinics, and medical centers that offer a wide range of medical services. Swiss doctors are highly trained and experienced in providing quality medical care. The country also has a well-developed system of health insurance that covers most medical expenses. In addition, Switzerland has a number of specialized medical centers that provide specialized treatments and services," said one expat.

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Are healthcare and health insurance expensive in Switzerland?

"Healthcare and health insurance in Switzerland are generally considered to be expensive. The cost of healthcare is high due to the country's high quality of care and the fact that the Swiss government heavily subsidizes the cost of healthcare. Health insurance premiums are also expensive, as the Swiss government requires all citizens to have health insurance. Premiums vary depending on the type of coverage and the age of the insured, but they are generally higher than in other countries," remarked one expat living in Switzerland.

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What are emergency services like in Switzerland?

When we asked about emergency services, members in Switzerland wrote:

"Emergency services in Switzerland are highly efficient and reliable. In the event of an emergency, the Swiss emergency number is 112. This number is free of charge and can be called from any phone, including mobile phones. When calling 112, the operator will ask for the type of emergency and the location. An ambulance will then be dispatched to the scene. Ambulance services in Switzerland are provided by the Swiss Red Cross and are available 24 hours a day, 7 days a week," mentioned one expat in Switzerland.

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Will I need to travel to see a specialist?

"Switzerland is home to some of the top medical specialists in the world, and there are a few cities and regions that particularly stand out for their selection. Zurich is one of the most popular destinations for medical expertise in the country, due to its well-equipped hospitals and nearby universities. Similarly, the city of Geneva is renowned for its wide range of highly skilled medical professionals, ranging from surgeons to experts in specialized medical fields like dermatology. In addition, the Canton of Ticino is well-known for its array of medical centers, particularly the Ospedale San Giovanni in Bellinzona, which has some of the most experienced clinicians in the region. Lastly, Basel is widely considered to be a leader in medical excellence, especially in the area of regenerative medicine," wrote one expat.

Are common prescription medications available in Switzerland?

"Yes, common prescription medications are available in Switzerland. Most medications are available through pharmacies, and some are available over the counter. Prescription medications must be prescribed by a doctor and are subject to the same regulations as in other countries. In addition, some medications may require special authorization from the Swiss Agency for Therapeutic Products," said an expat in Switzerland.

Do you have anything more to add about local medical facilities in Switzerland?

"Medical care in Switzerland is ranked among some of the best in the world. Health standards are extremely high, and medical facilities are world class, with cutting-edge technology, modern infrastructure, and highly trained staff. Quality assurance is closely monitored, and patient safety is a priority, ensuring that individuals receive the best possible care. There are also a wide range of options for health care, from traditional to alternative methods, allowing individuals to make an informed decision about their own health care," remarked one expat living in Switzerland.

As a foreigner living in Switzerland, will I have access to public healthcare? What is it like?

"Yes, as a foreigner living in Switzerland, you will have access to public healthcare. The Swiss healthcare system is considered one of the best in the world, and is funded by both public and private sources. The public healthcare system provides comprehensive coverage for medical services, including preventive care, hospitalization, and long-term care. The quality of care is generally high, and the cost of services is relatively low compared to other countries. Additionally, the Swiss government provides subsidies to help cover the cost of healthcare for those who cannot afford it," remarked one expat living in Switzerland.

What have your experiences during the pandemic with the local healthcare system been like?

We asked expats in Switzerland if they have access to public healthcare in Switzerland. And, if they do have access, what is it like. They wrote...

"My experiences with the local healthcare system in Switzerland during the pandemic have been positive overall. The healthcare system has been very responsive to the needs of the population, providing timely and effective care. The healthcare professionals have been very professional and caring, and the government has provided ample resources to ensure that the healthcare system is able to cope with the increased demand. The government has also implemented a range of measures to ensure that the population is kept safe, such as the introduction of contact tracing and the implementation of social distancing measures. Overall, I have been very impressed with the way the healthcare system has responded to the pandemic in Switzerland," remarked one expat in Switzerland.

What advice do you have for expats having a baby in Switzerland?

We asked expat moms who gave birth in Switzerland about their experiences and advice they have for other moms to be. They said:

"Arrange everything first; including discussing an emergency c-section and using epidural. Change doctors if you have ANY doubts. Go home if it's not going well," said one expat in Bulach.

"Be prepared for paperwork. Swiss hospitals require a range of maternity documents such as hospital application forms and proof of residence. Coordinate with your health insurance provider in advance and ensure you understand exactly what type of birth care coverage is provided. Research birthing options according to your preferences - from homebirths to midwives, hospitals, and other childbirth professionals in your area. Look into prenatal classes and support services available in your local community. Make sure to build a good relationship with your doctor, understand their approach to labour and delivery and ask lots of questions. Lastly, get familiar with the local maternity leave regulations such as the duration and rate of payment of maternity leave," wrote a person living in Switzerland.

Are healthcare services good in Switzerland?

We asked people if they have access to good medical care in Switzerland. They wrote:

"Healthcare services in Switzerland are world-renowned and renowned for their high-quality medical care. Swiss hospitals and clinics are generally equipped with the latest medical technology and the country boasts a wide range of specializations. All citizens of the country are entitled to receive medical care through the country's public system, and those with medical insurance have ample access to more private options. Swiss healthcare emphasizes preventive care, including regular check-ups and screenings, in order to reduce long-term care costs. Patients are actively encouraged to be involved in decisions about their own healthcare. Switzerland also stands out for its innovative approach to mental health care and implementation of holistic therapies," said one expat in Switzerland.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

Afternoon on the Lake in Zug, Switzerland

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