5 Costly Health Insurance Mistakes to Avoid in Switzerland

Navigating the Swiss health insurance system can be confusing—even for locals. With mandatory basic insurance and countless supplementary options, it's easy to make choices that cost you more than they should. Whether you're new to Switzerland or reviewing your current coverage, here are five costly health insurance mistakes you should avoid.

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1. Sticking With the Same Insurance Provider Without Comparing
   Many people stay with the same health insurer for years, assuming all policies are similar. However, premiums vary significantly between providers—even for identical basic coverage. Failing to compare quotes annually could mean you're overpaying by hundreds of francs. Use comparison tools like Miavita to check your options each year
2. Choosing the Lowest Deductible Without Doing the Math
   Switzerland offers a deductible ( franchise ) system ranging from CHF 300 to CHF 2,500. While a lower deductible means fewer out-of-pocket expenses, it also comes with higher monthly premiums. If you're healthy and rarely visit the doctor, a higher deductible can save you money. Do a quick cost-benefit analysis before selecting your plan.
3. Not Understanding the Difference Between Basic and Supplementary Insurance
   Basic health insurance is mandatory and regulated by law, but supplementary insurance offers additional perks like private hospital rooms or alternative medicine. Many people wrongly assume that basic insurance covers everything. Understanding this difference helps you make smarter decisions based on your lifestyle and needs.
   
4. Ignoring Waiting Periods for Supplementary Coverage
   Planning to get maternity benefits or dental coverage through supplementary insurance? Don’t wait too long. Most supplementary policies have waiting periods or require a health questionnaire. You could be denied coverage or face delays if you apply too late—especially if you're already pregnant or facing dental issues.
   
5. Overlooking Policy Terms in Your Preferred Language
   Switzerland has four official languages, and insurance documents aren’t always available in English. Many expats unknowingly agree to terms they don't fully understand. Always request documentation in your preferred language and ask for clarification to avoid misunderstandings that could lead to denied claims.

Final Thoughts

Making smart choices with your Swiss health insurance can save you money and headaches. Compare premiums, understand your coverage, and stay proactive about changes in your needs. Whether you're an expat or a Swiss national, avoiding these five mistakes ensures you're not paying more than necessary for peace of mind.