What Are the Requirements for Swiss Student Insurance?

Studying in Switzerland offers a unique opportunity to learn in one of the world’s most prestigious educational systems. However, before you embark on your academic adventure, it’s crucial to understand the requirements for student insurance for international students. This article answers the most frequently asked questions about health insurance to help you make the best decision.

1. Who Needs Student Insurance – Requirements for Swiss Student Insurance:

In Switzerland, every resident, including international students, must have basic health insurance. This insurance covers essential medical services such as doctor visits, hospital treatments, and outpatient care. Without proper insurance, you may not be able to obtain a student visa or begin your studies in Switzerland.

2. How to Get Insurance as a Student in Switzerland?

To get insurance as a student, you need to choose a plan that meets Swiss requirements for medical coverage. Student insurance plans are available from various providers offering different levels of coverage and pricing. The process is straightforward: after arriving in Switzerland, you must register with a chosen provider within three months.

3. Why Is Student Health Insurance So Expensive?

The cost of student health insurance in Switzerland can be higher than in other countries due to the high standard of healthcare and medical costs. It’s worth comparing different student insurance plans to find one that provides adequate coverage at a reasonable price. Some plans offer special discounts for students, which can help reduce costs.

4. Insurance Cost Comparison for Student Insurance Plans in Switzerland

To help you choose the right plan, here is a comparison of various student insurance options for studying abroad:

Comparison
Offerer	Price (CHF/month)	Max Age	Hospitalisation	GP Visits
StudyProtect	57	35	☑️	☑️
Swisscare	63	29	☑️	☑️
SWICA	91.7	25	☑️	☑️
ScoreStudies	64	29	☑️	☑️
IamExpat	150	?	☑️	☑️

5. What Does Student Insurance for a Year Abroad Cover?

Basic student health insurance in Switzerland includes:

• Hospitalisation: Coverage for hospital treatment costs.
• GP Visits: Access to doctor consultations without additional fees.
• Outpatient Care: Includes basic treatment, examinations, and therapies.

6. How to Choose the Best Student Insurance Plan?

When selecting the right insurance, consider:

• Monthly premium costs and what they cover.
• The range of medical coverage the plan offers.
• Additional services such as visa support or coverage for specialised treatments.

7. Additional Types of Student Insurance

There is also the option to purchase additional insurance that covers services such as student insurance for dormitories, student insurance for internships, or dental care. These additional options can be particularly useful for students planning a longer stay or active participation abroad.

8. When Does Student Insurance End?

Student insurance usually covers you for the entire duration of your studies. If you finish your studies early or decide to leave Switzerland, you must inform your insurer to terminate the policy. If you’re wondering when student insurance ends, remember that it is valid until you are no longer considered a resident or student.

Conclusion

Having the right student insurance in Switzerland is essential for a safe and comfortable stay. When choosing a plan, pay attention to costs, coverage scope, and additional benefits to find the best option for your needs. This way, you can focus on your studies and enjoy your student life in Switzerland to the fullest.