Your situation, your checks
Insurance in Switzerland for your situation
Choose your situation to find useful general information, guides and tools. Each pathway is a checking map and does not replace an authority, insurer or individual advice.
Content checked on 28 August 2026
ClairAssur.ch
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Guidance by life situation
Local and temporary filter
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All eight situations are displayed.
Arriving in Switzerland
Organise residence, work, canton and health-cover checks without assuming a general rule decides your individual case.
Points to clarify
- Residence and reference date
- Health insurance
- Cantonal procedure
- Status and change of work
Resources to explore
Family or new baby
Consider each person, the household budget and canton-dependent steps separately.
Points to clarify
- Household composition
- Health insurance
- Budget and disposable income
- Cantonal procedure
Resources to explore
Student or apprentice
Separate studies, vocational training, residence, paid work and accident cover before drawing a conclusion.
Points to clarify
- Studies or apprenticeship
- Residence and reference date
- Health insurance
- Accident cover
Resources to explore
Employee
Review employment status, existing cover, accidents and household needs together while avoiding duplication.
Points to clarify
- Status and change of work
- Accident cover
- Existing contracts and cover
- Budget and disposable income
Resources to explore
Self-employed
Clarify recognised status, risks not covered automatically, financial capacity and long-term pension planning.
Points to clarify
- Status and change of work
- Accident cover
- Budget and disposable income
- Pension planning and horizon
Resources to explore
Job change or job loss
Recheck employment-related cover, transitions, budget and contracts before changing a policy.
Points to clarify
- Status and change of work
- Accident cover
- Budget and disposable income
- Existing contracts and cover
Resources to explore
Retirement
Bring health, pension, budget and international plans together so contracts can be checked on a comparable basis.
Points to clarify
- Pension planning and horizon
- Health insurance
- Budget and disposable income
- International coordination
Resources to explore
Cross-border worker or international situation
Identify the countries, residence, work and competent authority before reaching any conclusion about which rules apply.
Points to clarify
- International coordination
- Residence and reference date
- Status and change of work
- Health insurance
Resources to explore
Guidance, not a decision
This tool provides general guidance only. It does not determine insurance obligations, exemptions, eligibility, coverage or prices, and it does not recommend any insurance product.