Health insurance for babies, arrival from abroad
Who doesn't need health insurance?
Cross-border commuters and health insurance
Free choice of health insurance company
Terminating health insurance at year end
Changing insurance model
Family doctor model: you must (almost) always go to your family doctor first. They will refer you to a specialist if necessary.
HMO model: you must almost always go to a doctor in your chosen group practice (Health Maintenance Organisation) first. They will refer you to a specialist if necessary.
Telmed: before (almost) every visit to the doctor you must call a certain number for an initial medical consultation by phone.
Health insurers do not have to accept you
Best to register before birth
Generally a package
Cancelling can be tricky
Premium calculator (web page available in German, French and Italian)
Insurance models with lower premiums and other ways to save (web page available in German, French and Italian)
Model letters for cancelling your health insurance, changing your deductible, etc. (web page available in German, French and Italian)
Changing health insurer, deductible and insurance model – details (web page available in German, French and Italian)