Health Insurance After Arrival: the 90-Day Kit

Basic insurance after arrival without a false start: 90-day plan, model comparison and ready application and switch templates.

Checked on 19.08.2026 by Jens Herbst, BoVitaWe keep every document current and check it regularly against the sources.

Who is this document for?

For newcomers becoming subject to mandatory insurance, and for anyone who wants to compare models and premiums properly once.

What is inside

  • KVG basics explained simply
  • 90-day plan week by week from arrival
  • Model comparison: standard, family doctor, HMO, telmed, pharmacy
  • Ready application template with master data table
  • Insurer-switch template (30 November deadline) and special cases (students, cross-border, S1, family reunification) plus premium reduction IPV

How to fill it in

  1. 1Start the 90-day plan in your arrival week; the obligation applies retroactively from arrival.
  2. 2Use the model comparison to pick the model first, the insurer second.
  3. 3Fill the master data table once; it feeds the application and any later switch.

Frequently asked questions

For newcomers subject to mandatory insurance and for households switching model or insurer; the special cases (students, cross-border, S1, family reunification) are covered separately.

Basic insurance must be taken out within 3 months of arrival and applies retroactively from entry; the 90-day plan is timed exactly to that.

Ordinarily per year-end with notice by 30 November; the included switch template is built for that deadline.

Depending on canton and income, the canton pays part of your premium; the kit explains where and how to apply.

Yes, free by email.

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