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Guidance: Healthcare for UK nationals living in Switzerland

Department Of Health

October 22
17:10 2021

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This guidance will be updated if anything changes to how you get state healthcare in Switzerland.

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This information is about living in Switzerland. Theres different guidance if youre visiting Switzerland.

If you started living in Switzerland before 1 January 2021, your rights to access healthcare in Switzerland will stay the same for as long as you remain resident.

This guidance explains what you need to do in Switzerland depending on your circumstances.

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 Switzerlands central health insurance institution (Gemeinsame Einrichtung KVG) (see UK-funded healthcare: getting and using an S1 form in Switzerland below)

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 Federal Office of Public Health has more detailed information, including the list of insurers.

Youll receive a health insurance card once you register.

Once youre a resident you may also be entitled to a Swiss European Health Insurance Card (EHIC) for travel.

If you were living in Switzerland before 1 January 2021

If you started living in Switzerland before 1 January 2021, your rights to access healthcare in Switzerland will stay the same for as long as you remain resident.

This means you may also be entitled to:

  • a Swiss EHIC for travel, including visits to the UK
  • a UK S1 if you start drawing a UK State Pension (see UK-funded healthcare: getting and using an S1 form in Switzerland below)

How to access healthcare services

Find your nearest hospital or clinic on this GOV.UK webpage.

How much youll pay

Even with insurance, youll 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 deductible or franchise 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 youre 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 deductible or daily hospital fees if youre:

  • 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 (posted workers)

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

Healthcare for posted workers who started before 1 January 2021

You can access healthcare in Switzerland using an EHIC or registered S1 form.

Healthcare for posted workers moving to Switzerland

You may need to:

  • join a local healthcare scheme
  • cover the cost of your healthcare with private health insurance

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.

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

Theres different guidance if you have an S1 as a posted worker (see If your UK employer has sent you to Switzerland temporarily (posted workers) above).

If you started living in Switzerland before 1 January 2021, you may be entitled to state healthcare paid for by the UK if youre a Swiss resident and receive either:

  • a UK State Pension
  • some other exportable benefits

Not all UK benefits that can be claimed while abroad entitle you to UK-funded healthcare. Read more about claiming benefits if you move abroad or contact Jobcentre Plus to ask about a benefit.

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

Youll also get:

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 youre 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.

NHS Overseas Healthcare Services
Telephone: +44 (0)191 218 1999
Monday to Friday, 8am to 6pm
Saturday, 9am to 3pm

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 Switzerlands central health insurance institution (Gemeinsame Einrichtung KVG).

Find out more about registering your S1 form

Once youve registered, youll receive an insurance card. This will mean youre 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.

If you are experiencing delays registering your S1 with local authorities and require emergency or urgent treatment, contact the Overseas Healthcare Services on 0044 191 218 1999.

Studying in Switzerland

If you were already in Switzerland before 1 January 2021 because you study there, you need to apply for a new UK-issued EHIC.

Your

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