LAMal Comparator

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LAMalComparator

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Is LAMal mandatory ?

Can we be refused for the LaMal ?

Is LAMal mandatory ?

With regards to health insurance, it is important to distinguish the LaMal (basis) and the additional coverage (LCA). Since 1996, the LaMal is mandatory for every person living in Switzerland.

Its purpose is to provide a decent health coverage to all people living on the territory.

When establishing in Switzerland, you will have 3 months to make a decision.  At the time you validate it, the insurance will start retroactively from the date of arrival in the country.

Can we be refused  for the LaMal ?

The insured person will be able to choose freely the health insurer. This one will have to accept him/her whatever the age and the health status, without any restrictive conditions or time period.

What are the  differences ?

The LaMal has a public interest. Even though it is managed by private companies, the rules are the same for everybody and enforces the same coverage to all health insurance companies.

With regards to health insurance, it is important to distinguish the LaMal (basis) and the additional coverage (LCA). Since 1996, the LaMal is mandatory for every person living in Switzerland.

Its purpose is to provide a decent health coverage to all people living on the territory.

When establishing in Switzerland, you will have 3 months to make a decision.  At the time you validate it, the insurance will start retroactively from the date of arrival in the country.

The insinsured person will be able to choose freely the health insurer. This one will have to accept him/her whatever the age and the health status, without any restrictive conditions or time period.

What are the differences ?

The LaMal has a public interest. Even though it is managed by private companies, the rules are the same for everybody and enforces the same coverage to all health insurance companies.

How the deductible  works ?

The deductible is the amount the policyholder will have to pay before any reimbursement from the LaMal health insurance.

Once the deductible is reached, the insurance will take care of all the reimbursements. There is however a 10% participation for the person insured, which is capped at CHF 350.- / year for children and CHF 700.- for adults.

Example: you chose a 300.- deductible and get a 1’000.- bill for the doctor. The first 300 francs of the year have to be paid by you. Then, the rest of 700 will be paid by the insurance, but you will still have to pay 70 for the 10% share.

Total at your expenses: 300 + 70 = 370.-

Total at the insurer expenses: 630.-

The amount of the deductible is annual. It can be changed only for the 1st of january of the following year and the change must be announced to the insurer the 30th of november at the latest. This is why it is important to review your needs and prices once a year with your advisor.

How the deductible works ?

The deductible is the amount the policyholder will have to pay before any reimbursement from the LaMal health insurance.

Once the deductible is reached, the insurance will take care of all the reimbursements. There is however a 10% participation for the person insured, which is capped at CHF 350.- / year for children and CHF 700.- for adults.

Example: you chose a 300.- deductible and get a 1’000.- bill for the doctor. The first 300 francs of the year have to be paid by you. Then, the rest of 700 will be paid by the insurance, but you will still have to pay 70 for the 10% share.

Total at your expenses: 300 + 70 = 370.-

Total at the insurer expenses: 630.-

The amount of the deductible is annual. It can be changed only for the 1st of January of the following year and the change must be announced to the insurer the 30th of November at the latest. This is why it is important to review your needs and prices once a year with your advisor.

The age  groups

There are 3 age groups : 

  • Children (0 to 18 included)
  • Young adults (19 to 25)
  • Adults (26 and more)

The insurer will not wait for your birthdate to increase, but consider your new age on the 1st of January for the whole year.

The age groups are important due to the fact that they will determine the price and the deductible choices.

The age groups in the LAMal

There are 3 age groups : 

  • Children (0 to 18 included)
  • Young adults (19 to 25)
  • Adults (26 and more)

The insurer will not wait for your birthdate to increase, but consider your new age on the 1st of January for the whole year.

The age groups are important due to the fact that they will determine the price and the deductible choices.

What are the deductibles available ?


Children :

0 – 100 – 200 – 300 – 400 – 500 – 600

Young adults :

 300 – 500 – 1’000 – 1’500 – 2’000 – 2’500

Adults :

300 – 500 – 1’000 – 1’500 – 2’000 – 2’500

These are the only deductibles available. It is important to choose the deductible that corresponds to your situation as it can only be changed for the 1st of January of the following year. In order to help you make the good choice, you can use our deductible calculation tool.

Deductibles available ?


Children :

0 – 100 – 200 – 300 – 400 – 500 – 600

Young adults :

 300 – 500 – 1’000 – 1’500 – 2’000 – 2’500

Adults :

300 – 500 – 1’000 – 1’500 – 2’000 – 2’500

These are the only deductibles available. It is important to choose the deductible that corresponds to your situation as it can only be changed for the 1st of January of the following year. In order to help you make the good choice, you can use our deductible calculation tool.

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