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You must have health insurance cover to live in Switzerland. You may still have to pay to use some parts of the healthcare system.

UK nationals usually access the Swiss health system in one of these ways:

• buying mandatory health insurance
• registering a UK-issued S1 form with Switzerland鈥檚 central health insurance institution (鈥楪emeinsame Einrichtung KVG鈥�) (see 鈥楿K-funded healthcare: getting and using an S1 form in Switzerland鈥� below)
• using a GHIC or EHIC for temporary stays when studying, or as a 鈥榩osted鈥� (detached) worker

Healthcare if you live and work in Switzerland

If you are planning on moving to Switzerland, see the guidance on Living in Switzerland for more information about visa and residency requirements.

Everyone who lives in Switzerland must:

• register as a resident
• get health insurance

You choose your insurance provider from a list of government-approved providers. The has more detailed information, including the list of insurers.

You鈥檒l receive a health insurance card once you register.

Once you鈥檙e a resident you may also be entitled to a Swiss EHIC for travel.

How to access healthcare services

Find your nearest hospital or clinic on this 188体育 webpage.

How much you鈥檒l pay

Even with insurance, you鈥檒l probably still have to pay some costs. For example, most people will have to pay:

• the first 300 Swiss francs towards your treatment per year - this is the 鈥榙eductible鈥� or 鈥榝ranchise鈥� and can be higher or lower depending on your insurance premium
• 10% of your treatment costs over the deductible, up to a maximum of 700 Swiss francs (or 350 Swiss francs if you鈥檙e under 18 years old)
• a daily fee if you stay in hospital - this is around 15 Swiss francs

You do not have to pay a 鈥榙eductible鈥� or daily hospital fees if you鈥檙e:

• under 18 years old
• under 25 years old and in education or training
• a woman receiving maternity services

If your UK employer has sent you to Switzerland temporarily (鈥榩osted workers鈥�)

A posted worker, also known as a 鈥榙etached worker鈥�, is someone employed or self-employed in the UK, but temporarily sent to a European Economic Area (EEA) country.

UK posted workers may be able to access healthcare in Switzerland using a GHIC, EHIC or S1 form, if they are a:

• UK national
• Swiss national
• EU citizen
• refugee
• stateless person
• dependant or survivor of someone with one of these nationalities or statuses

HMRC has a helpline for National Insurance enquiries from non-UK residents. They can answer questions about posted worker status and explain which documents you will need to get healthcare while posted.

You should register your S1 with Switzerland鈥檚 central health insurance institution (鈥楪emeinsame Einrichtung KVG鈥�).

You may also need a UK-issued A1 certificate to show that you pay national insurance in the UK. You can get this from HMRC.

If you鈥檙e using a GHIC or EHIC, you鈥檒l need to show the card when you go to your appointment.

UK-funded healthcare: getting and using an S1 form in Switzerland

There鈥檚 different guidance if you have an S1 as a posted worker (see 鈥業f your UK employer has sent you to Switzerland temporarily (鈥榩osted workers鈥�)鈥� above).

You may be entitled to state healthcare paid for by the UK if you鈥檙e a Swiss resident and receive either:

• a UK State Pension
• some other 鈥榚xportable benefits鈥�

You will only be eligible to receive an S1 to use in Switzerland if you are a:

• UK national
• Swiss national
• EU citizen
• refugee
• stateless person
• dependant or survivor of someone with one of these nationalities or statuses

You may also be entitled to an S1 form if you鈥檙e a frontier worker (someone who works in one state and lives in another). You must contact HMRC National Insurance enquiries to find out if you鈥檙e eligible.

Once you have an S1 form, you must register it on the Swiss system.

This will mean you and your dependants will be entitled to healthcare in Switzerland on the same basis as a Swiss citizen.

You鈥檒l also get:

• a UK-issued聽GHIC听辞谤听EHIC聽for travel
• planned treatments in the聽EEA

You can find out more about聽聽and the rules on聽聽on the NHS website.

Dependants and family members may be classified differently in Switzerland than the UK.

Check with the local authorities when you register your S1 form.

If you鈥檙e entitled to an S1 form as a dependant of a State Pensioner, your health cover will be cancelled once you begin claiming your UK State Pension.

You will be sent a new S1 form to your registered address from NHS Overseas Healthcare Services. You must register this form to ensure continuation of healthcare cover.

You are responsible for informing NHS Overseas Healthcare Services if you change your address or your circumstances change.

How to get an S1 form

If you have a UK State Pension or another qualifying exportable benefit, and you started living in Switzerland before 1 January 2021, you must request an application form by phone from NHS Overseas Healthcare Services (see contact details above).

How to use an S1 form in Switzerland

You must register your S1 form with Switzerland鈥檚 central health insurance institution (鈥楪emeinsame Einrichtung KVG鈥�).

Once you鈥檝e registered, you鈥檒l receive an insurance card. This will mean you鈥檙e entitled to healthcare on the same basis as a Swiss citizen.

Show this card when you visit a doctor to prove you are entitled to healthcare. Check that the doctor you visit treats S1 holders.

Studying in Switzerland

You should apply for a Student GHIC to get state-provided, medically necessary healthcare for the duration of your study period in Switzerland, whether this is for part or all of your course. This means that you鈥檒l get necessary healthcare services on the same basis as a Swiss citizen either for free or at a reduced cost.

You may only use your GHIC in Switzerland if you are a:

• UK national
• Swiss national
• EU citizen
• refugee
• stateless person
• dependant or survivor of someone with one of these nationalities or statuses

If you already hold a valid Student EHIC you can use this until the card expires.

on the NHS website.

Getting treatment in the UK

Because the NHS is a residency-based system, under NHS rules UK nationals who move abroad on a permanent basis may lose their entitlement to free NHS healthcare.

If you are a UK national and move to Switzerland, you should not expect to be able to use NHS services for free when visiting the UK unless you have an EHIC, PRC or S2 to show your healthcare costs are funded by Switzerland, or another exemption applies.

Some former UK residents do not have to pay for NHS treatment when visiting England. This includes:

• UK war pensioners
• UK government employees
• UK nationals living in the EU on or before 31 December 2020, once they have a registered, UK-issued S1

Read more about using the NHS when you no longer live in the UK (see 鈥楿K nationals who no longer live in the UK鈥� in Healthcare for visitors to the UK from the EU).

If you return to live in the UK you鈥檒l be able to use the NHS like any other UK resident.

Read more about using the NHS when you return to live in the UK.