The Truth About Swiss Health Insurance (100K in Zürich)

Moving to Zürich as an expat is an exciting adventure, but it is important to be prepared for the high cost of living, especially when it comes to healthcare. In this video, we'll dive into the structure of Swiss health insurance which differs from what you might be used to from other European countries. I will also give a ballpark number for your calculations.

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We'll cover:

Mandatory Health Insurance: Understanding the basics and how it works for expats
Out-of-Pocket Costs: Exploring additional expenses like deductibles and co-payments you will have to pay yourself
Budgeting Tips: Strategies for minimizing overall healthcare costs in Zürich / Switzerland

Whether you're a digital nomad, a remote worker, or planning to settle down and move to Switzerland permanently, this video will help you figure out the important basics of health insurance in Switzerland.

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Check out the whole "100K in Zürich" series:

Part 1: Income tax, social security in Zürich:    • Don't Be Fooled! The Truth About a 10...  
Part 2: Health insurance in Zürich:    • The Truth About Swiss Health Insuranc...  
Part 3: Rent in Zürich:    • Forget the Balcony, You Can Almost Af...  
Part 4: Eating in Zürich:    • How Expensive is Eating in Zürich (10...  
Part 5: Health and Fitness Costs as an Expat in Zürich:    • Zürich's Price Tag: Navigating Health...  

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00:00 - Start
00:19 - Deductible / Franchise
00:53 - Higher premiums vs. higher self-pay
01:13 - The Nudge
01:38 - My recommendation for healthy people
02:33 - A high deductible pays off usually
03:39 - You can't lose health insurance in Switzerland
04:03 - Mandatory vs supplemental insurance
04:58 - You always pay something out of your own pocket
05:57 - How much to budget if you are in your 30ies
06:41 - The numbers overall