
EU/EFTA health insurance
EU/EFTA health insurance
Do you live in an EU or EFTA country and receive a salary or pension from Switzerland? If so, you need EU/EFTA health insurance (also known as EU/ETFA medical insurance).
How EU/EFTA health insurance works
If you are ill, you are free to choose whether to be treated in your country of residence or in Switzerland.
Find out more:
https://www.kvg.org/en/private-persons/compulsory-insurance/
https://www.bag.admin.ch/en/health-insurance
Choose freely:
choose your doctor freely – in your country of residence or Switzerland.
Have the costs reimbursed:
EU/EFTA medical insurance covers costs as follows: In Switzerland, it covers costs in accordance with the free choice of doctor model. In your country of residence, health insurance covers costs according to the rules of that country. You will be reimbursed costs incurred due to emergencies – in Switzerland or your country of residence.
Extend your cover to family members:
if you have children or a spouse, who do not work, you must extend your cover to them as well. Register them with your EU/EFTA health insurance.
Are you moving abroad? Check your insurance cover before doing so.
Contact us for a quotation
international@kpt.ch
Frequently asked questions
What EU/EFTA health insurance covers
You decide where to receive treatment. The insurance covers the cost of services as specified by the law in your country of residence. Treatment in Switzerland is covered by . The Health Insurance Act (HIA) and Health Insurance Benefits Ordinance (HIBO) specify what basic health insurance will cover.
Services covered by basic health insurance in Switzerland
These explanations are based on the legal principles established by the Federal Law on Health Insurance (HIA) and the Health Insurance Benefits Ordinance (HIBO). They provide binding information as to what basic health insurance covers
What should you do if you fall ill?
If you fall ill as a holder of EU/EFTA health insurance and receive treatment in Switzerland, always proceed as follows:
1. Check your symptoms:
Visit a doctor of your choice in Switzerland.
2. Select your treatment steps:
Choose the appropriate treatment steps depending on the situation:
- Consult your doctor.
- Visit a specialist in Switzerland.
- Go to a hospital emergency department in Switzerland. You can only go to hospital directly in the event of an emergency. In all other cases, you need a doctor’s referral.
3. Order medication:
Purchase medication from any pharmacy in Switzerland.
4. Check your treatment plan:
Discuss your treatment plan with your general practitioner (GP) or another medical specialist.
In the case of treatment outside Switzerland, the rules of the country in which the treatment is received apply. Please find out about the insurance cover available there in good time.
Useful documents
Contact us for advice

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