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 4 September 2026
ClairAssur.ch
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Guidance by life situation
Local and temporary filter
Your selection stays only in this page’s memory and disappears on reload. The tool asks for no identity, health, financial or contract data.
Which situation would you like to start with?
Filter the view or keep the complete overview. Your selection is not transmitted, stored or added to the page address.
All nine 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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
Insurance areas to examine
These paths follow only from the situation you selected and are not a recommendation. Choose an area yourself to open its form.
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
Choice to confirm
A separate path for cross-border workers
For this situation, the navigator offers no direct link to the resident form because that form requires a Swiss postcode. Review the cross-border resources below first and verify your case with the competent authority.
After an incident or insurance event
Organise useful facts, contacts and records, then check the relevant policies without assuming cover, liability, deadlines or compensation.
Points to clarify
- Facts and timeline
- Contacts and notifications
- Documents and records
- Existing contracts and cover
Resources to explore
Claim file
Organise the file without a direct comparison
This pathway offers no direct link to a comparison form for this event. Use the four resources first to organise facts, contacts and records and review the relevant policies. They determine neither cover, liability, deadlines, evidential weight nor compensation.
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.