Swiss Health Insurance Explained: LaMal, KVG, and How to Pick a Fund Without Overpaying

Basic health insurance (LaMal in French, KVG in German) is mandatory for every resident within 3 months of arrival. Coverage is defined by federal law and identical at every fund, so the only real variables are franchise (300 to 2500 CHF), model (free choice, family doctor, HMO, Telmed), and canton. Expect 280 to 500 CHF per adult per month. Compare on priminfo.admin.ch, not on ad-driven sites.