How do I change LAMal insurer and when? (cross-border guide)
Answered with official sources — LAMal and health insurance
Updated 11 August 2026
Answer
LAMal guarantees free choice of insurer (art. 7) source: Fedlex LAMal RS 832.10. You can cancel by 31 December (registered letter by 30 November) or by 30 June (notice by 31 March) — the latter only with the CHF 300 minimum deductible. Cancellation due to premium increase must be filed within one month of notice. No medical certificate is required for basic insurance; insurers must accept applicants. Supplementary covers can refuse or apply surcharges. Always compare on priminfo.admin.ch and check model and deductible.
Official sources
Other questions on this topic
- Does LAMal cover dental care?
Generally no. LAMal art. 31 covers dental care only if caused by serious unavoidable illness (e.g. leukaemia, AIDS) or by accident (without LAINF). Fillings, cleaning, orthodontics and prostheses are not reimbursed by basic insurance.
- How is the option right for the Italian SSN exercised?
The option right lets Italian-resident cross-border workers stay in the SSN and waive LAMal. It is exercised within 3 months of starting work by sending the «Opzione» form to the LAMal Joint Institution (Bern) with S1/E106 issued by the local ASL.
- Which LAMal deductible is most convenient for a cross-border worker?
LAMal art. 64 and KLV set ordinary deductibles from CHF 300 (standard) up to CHF 2,500 (max voluntary). A healthy worker with <1 visit/year saves around 40% on the premium with the CHF 2,500 deductible if annual care stays under ~CHF 2,700…
- Should I include accident cover in LAMal?
If you work at least 8 hours/week for a Swiss employer you are automatically covered by LAINF (Accident Insurance Law, RS 832.20) for work and leisure accidents. You can then suspend accident cover in LAMal, saving about CHF 8-15/month.
- Can I choose a doctor in Italy under LAMal?
Yes: cross-border workers under LAMal who reside in an EU/EFTA state enjoy the «international care» right of LAMal art. 41 para. 2ter and EU Regulation 883/2004.
- What is the difference between standard, family-doctor and HMO models?
LAMal allows alternative insurance models (art. 62) at reduced premiums. The standard model («free doctor choice») charges the full premium. The «family-doctor» model requires a gatekeeper visit first (5-15% discount).
- Must cross-border workers mandatorily take out LAMal insurance?
In principle yes: LAMal art. 3 para. 1 and KVV art. 1 para. 2 lit. d establish mandatory insurance for those working in Switzerland, including cross-border workers.
- What are the average 2026 LAMal premiums in Ticino?
UFSP published 2026 premiums on 24 September 2025. The average adult premium (CHF 300 deductible, with accident cover) in Ticino is about CHF 404/month (+3.1% vs 2025). Young adults 19-25 pay on average CHF 285, children CHF 107.
The information on this page is for guidance only and does not replace personal advice from an accountant, lawyer or union office. Tax, social-security and permit rules change frequently: always verify with the official sources linked in each answer.