Mandatory Insurance

Krankenkasse/Assurance maladie - Every resident in Switzerland must have a basic health insurance, which covers a wide range of medical treatments. This coverage is provided by private health insurance companies, but the terms are regulated by the Swiss Government to ensure standardised benefits.

Unfallversicherung - Accident insurance is mandatory for employees, and employers are required to provide coverage for work related and non-work-related accidents. Unemployed individuals or those not covered by an employer must obtain accident insurance through their health insurance provider.

If you own and operate a vehicle in Switzerland, you must have motor vehicle liability insurance. This insurance covers damage that your vehicle might cause to other people or their property.

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While not typically catagorised as insurance in the traditional sense, contributions to the Old Age and Survivors Insurance (AHV/AVS), Disability Insurance (IV/AI), and Unemployment Insurance (ALV/AC) are mandatory for workers. These contribute to the Swiss Social Security System.