Compulsory Insurance You Buy Yourself, Within Three Months of Arriving
Answer
The general rule applies to you
No exception is recorded for citizens of United Kingdom on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
195 exceptions recorded across 74 countries · none match United Kingdom to Switzerland · Access to healthcare
Switzerland has no national health service and no payroll health contribution. Everyone resident in Switzerland must insure themselves for medical care within three months of taking up residence, choosing freely among the licensed insurers. The premium is set by each insurer rather than by the state, graded by cantonal cost differences and based on where the insured person lives, and it is not related to income: a child pays less than a young adult and a young adult less than everyone else, and that is the whole of the differentiation the Act requires. On top of the premium comes cost sharing - a fixed annual deductible of 300 francs and then 10 per cent of everything above it, capped at 700 francs a year for an adult and 350 for a child. The cantons enforce the duty: if you do not insure yourself in time, the authority the canton designates assigns you an insurer.
At a glance
- Deadline to insure
- Three months from taking up residence in Switzerland, or from birth
KVG article 3(1). Article 5(1) backdates cover to the date of taking up residence where the person joins in time; late joining starts cover only on joining and carries a premium surcharge under article 5(2).
- Who sets the premium
- Each insurer, graded by cantonal cost differences and based on the insured person's place of residence
KVG article 61(1) and (2). Not a state tariff, and not related to income: article 61(3) requires only that children pay less than young adults and young adults less than other insured.
- Annual deductible
- 300 francs per calendar year
KVV article 103(1), implementing KVG article 64(2)(a). No deductible is charged for children, under KVG article 64(4).
- Co-payment above the deductible
- 10 per cent of costs, capped at 700 francs a year for an adult and 350 francs for a child
KVG article 64(2)(b) for the rate and KVV article 103(2) for the ceiling.
- Choosing a higher deductible
- 500, 1,000, 1,500, 2,000 or 2,500 francs for adults and young adults; 100 to 600 francs for children
KVV article 93(1). The offer must apply across the whole canton, and a higher deductible can only be chosen with effect from the start of a calendar year.
- If you do not insure yourself
- The authority designated by the canton assigns you an insurer
KVG article 6(2). The cantons are made responsible for compliance with the insurance duty by article 6(1).
- If you do not pay
- The canton may put you on a list seen by providers, the commune and the canton, and the insurer then suspends cover for everything but emergency treatment
KVG article 64a(7). The same paragraph defines an emergency as treatment that cannot be postponed because the person would otherwise risk damage to health or death, or could endanger the health of others.
Requirements
- Take out medical care insurance within three months of taking up residence in Switzerland
- Choose an insurer licensed under the Health Insurance Supervision Act
- Pay the monthly premium set by that insurer for your canton or region
- Pay the annual deductible and the 10 per cent co-payment above it
Country-level policy
No country in this corpus distributes migration decisions the way Switzerland does, and nothing else about the Swiss system makes sense without it. The Confederation writes the Act and the ordinances; the cantons grant the permits. Article 40(1) of the Foreign Nationals Act says the permits under articles 32 to 35 and 37 to 39 are granted by the cantons, reserving federal competence for the quota, for derogations from the admission conditions and for the approval procedure. Where there is no right to work, the labour-market pre-decision is a cantonal act too. The federal migration secretariat sits behind it rather than in front: the Federal Council decides which cases must be submitted to it for approval, and it may refuse approval of a cantonal decision, time-limit it, or attach conditions. The same split runs through naturalisation, where the Confederation authorises and the canton decides, through health insurance, where the cantons enforce the duty and may reduce premiums, and through the quota itself, which is divided among the twenty-six cantons before anyone applies.
Swiss federal law is published simultaneously in German, French and Italian, and for enactments the three versions are binding in the same way. No version prevails, which is the opposite of the arrangement in Malta, where the Constitution makes the Maltese text prevail over the English. That decides what this site quotes and how: any one of the three is the law, so the quotations in these records are in German, and the French and Italian versions of the same articles say the same thing with equal force. The second question the publication Act settles is the status of the platform. Article 1a says publication happens centrally through one publicly accessible online platform; article 15 then says the version published in the official compilation is authoritative for federal enactments, and that the version published on the publication platform is authoritative. Swiss consolidated texts are therefore not unofficial in the way Austria's RIS consolidations are, where the authentic text is only the one in the federal gazette.
What applies to you
Nothing changes for a citizen of United Kingdom
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«Jede Person mit Wohnsitz in der Schweiz muss sich innert drei Monaten nach der Wohnsitznahme oder der Geburt in der Schweiz für Krankenpflege versichern oder von ihrem gesetzlichen Vertreter beziehungsweise ihrer gesetzlichen Vertreterin versichern lassen.»Our translation - not official
Every person domiciled in Switzerland must take out medical care insurance, or have it taken out by their legal representative, within three months of taking up residence or of birth in Switzerland.
The duty is on the person, not on an employer and not on the state. It attaches to domicile in Switzerland and so applies to a retiree and a student as much as to a worker.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Der Versicherer stuft die Prämien gemäss den kantonalen Kostenunterschieden ab.»Our translation - not official
The insurer grades the premiums according to cantonal cost differences.
The sentence after this one says the insured person's place of residence is decisive. Moving canton changes the premium for identical cover, which is a consequence of the federal structure rather than of the insurance market.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«einem festen Jahresbetrag (Franchise); undb. 10 Prozent der die Franchise übersteigenden Kosten (Selbstbehalt).»Our translation - not official
a fixed annual amount (the deductible); and b. 10 per cent of the costs exceeding the deductible (the co-payment).
The Act sets the structure and the percentage; paragraph 3 leaves the deductible itself and the annual co-payment ceiling to the Federal Council, which fixes them in the KVV.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die vom Kanton bezeichnete Behörde weist Personen, die ihrer Versicherungspflicht nicht rechtzeitig nachkommen, einem Versicherer zu.»Our translation - not official
The authority designated by the canton assigns an insurer to persons who do not comply with their insurance duty in time.
Not an option to go uninsured and pay a fine: the canton puts you with an insurer. This sentence also appears in article 6a of the Act, for insured persons resident in the Union, Iceland, Norway or the United Kingdom.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die Kantone können versicherte Personen, die ihrer Prämienpflicht trotz Betreibung nicht nachkommen, auf einer Liste erfassen, welche nur den Leistungserbringern, der Gemeinde und dem Kanton zugänglich ist.»Our translation - not official
The cantons may enter insured persons who fail to meet their premium obligation despite debt enforcement on a list accessible only to providers, the commune and the canton.
The consequence in the rest of the paragraph is that insurers suspend payment for everything but emergency treatment until the arrears are settled. Insurance being compulsory does not mean cover cannot be suspended.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die Franchise nach Artikel 64 Absatz 2 Buchstabe a KVG beträgt 300 Franken je Kalenderjahr.»Our translation - not official
The deductible under article 64(2)(a) KVG is 300 francs per calendar year.
The ordinary deductible, and the baseline against which the chosen higher deductibles of article 93 are priced.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Der jährliche Höchstbetrag des Selbstbehaltes nach Artikel 64 Absatz 2 Buchstabe b KVG beläuft sich auf 700 Franken für Erwachsene und 350 Franken für Kinder.»Our translation - not official
The annual maximum co-payment under article 64(2)(b) KVG is 700 francs for adults and 350 francs for children.
With the 300-franc deductible this caps ordinary annual cost sharing for an adult at 1,000 francs, before any contribution to hospital accommodation costs under KVG article 64(5).
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
«Die wählbaren Franchisen betragen für Erwachsene und junge Erwachsene 500, 1 000, 1 500, 2 000 und 2 500 Franken, für Kinder 100, 200, 300, 400, 500 und 600 Franken.»Our translation - not official
The selectable deductibles are 500, 1,000, 1,500, 2,000 and 2,500 francs for adults and young adults, and 100, 200, 300, 400, 500 and 600 francs for children.
A closed list of five amounts for adults. Article 94(1) allows a higher deductible to be chosen only with effect from the start of a calendar year.
Read it at the sourceAbout this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
Practical notes
No premium amount is published on this record. The Act leaves the premium to each insurer and makes it depend on the canton and the region, so there is no national figure, and any single number quoted for Switzerland is an average somebody calculated rather than a rule anyone enacted.
The cantons reduce premiums for people of modest means under article 65 of the Act, on conditions each canton sets. That is a cantonal scheme and no cantonal law has been read here.
The duty attaches to domicile, so it arrives with the residence permit rather than with a job. A person admitted as a pensioner under article 28 of the Foreign Nationals Act is caught by it exactly as an employee is.
The free movement agreement adds a condition before arrival rather than after it: Annex I article 24(1)(b) requires a non-working Union national to have sickness insurance covering all risks, and a footnote to that article adds that in Switzerland it must also cover accident and maternity for a person not taking up residence there.
- consolidatesBundesgesetz über die Krankenversicherung (KVG), SR 832.10, consolidated text in force from 1 July 2026
Fedlex, Bundeskanzlei der Schweizerischen Eidgenossenschaft · consolidated to 2026-07-01
About this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source
- consolidatesVerordnung über die Krankenversicherung (KVV), SR 832.102, consolidated text in force from 1 August 2026
Fedlex, Bundeskanzlei der Schweizerischen Eidgenossenschaft · consolidated to 2026-08-01
About this source
Switzerland's single publication platform for federal law, carrying the Amtliche Sammlung (AS), the Systematische Sammlung (SR) and the Bundesblatt. It is the platform article 1a of the Publikationsgesetz (SR 170.512) requires, and article 15 of that Act makes the version published on it massgebend - so unlike most consolidations in this corpus, Fedlex's text is authoritative rather than a convenience copy. Article 14(1) of the same Act requires simultaneous publication in German, French and Italian and makes all three versions of an enactment binding in the same way. The reader-facing address `https://www.fedlex.admin.ch/eli/cc/<a>/<b>/<lang>` is an Angular shell containing no text: every such address returns the same 77,151-byte page. The text lives in the filestore, at `https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/<a>/<b>/<YYYYMMDD>/<lang>/html/...html`, where YYYYMMDD is the consolidation's date of applicability and cannot be guessed. The way to resolve an SR number to that address is the SPARQL endpoint at https://fedlex.data.admin.ch/sparqlendpoint, matching jolux:classifiedByTaxonomyEntry/skos:notation against the SR number and taking the jolux:Consolidation whose jolux:dateApplicability is the latest one not after today.
Standing: Maintains the text in force
Cannot be cited for: It must not be cited for cantonal or communal law, which is the half of Swiss migration practice a resident actually meets: permits are granted by the cantons under article 40 of the AIG, the naturalisation residence requirement is set by each canton between two and five years under article 18 of the BüG, cantonal and communal income tax is outside the DBG entirely, and health insurance premium reductions are cantonal. Twenty-six cantons publish separately and none of them is here. It carries no case law - the Federal Supreme Court publishes at bger.ch - and no administrative guidance, which matters concretely: the list of states whose driving licences exchange without a control drive is a Federal Roads Office document issued under article 150(5)(e) of the VZV and is not in the classified compilation. Two traps in the platform itself. Fedlex serves consolidations that are not yet in force - SR 142.20 carried texts dated 2026-11-01 and 2027-01-01 alongside the one in force on 2026-10-11 - so taking the newest row returns a text that is not the law. And English translations published under article 13a(1)(d) of the Publikationsgesetz are translations of official publications and are not among the three binding versions, so nothing may be quoted from them as law.
We re-read it every 60 days. More about this source