Master Student Health Insurance in Switzerland

In Switzerland, the pursuit of a Master’s degree is accompanied by the need to navigate the country’s health insurance —a task that can be daunting for international students. This blog aims to simplify that search, offering essential information on health insurance options tailored for Master’s students. It underscores the compulsory nature of health insurance for anyone residing in Switzerland for more than three months, emphasizing the importance of understanding legal requirements, coverage options, and the benefits of securing the right medical insurance policy.

The search for adequate health insurance is a critical step for international students, closely tied to their residence status and study duration. Students must properly understand this landscape via various channels of information, often consulting various media, company websites, contact companies, and university office resources. This process is important to find a policy that not only meets Swiss legal standards but also addresses the special needs of their study, which can last several months to years.

Moreover, the possibility of an exemption from the compulsory insurance requirement exists for those whose current policies are equivalent to Swiss standards. You will find more information about achieving exemption in the later part of this blog. 

You will find all the needed information for securing health insurance in Switzerland for Master’s students, focusing on the compulsory nature of the policy, the detailed search and evaluation process, and the potential for exemption. It’s designed to assist students in meeting their health insurance needs efficiently, allowing them to concentrate on their studies and enjoy their Swiss academic experience worry-free.

Why is Health Insurance Important for Master Students in Switzerland?

Coverage for High Medical Costs


Switzerland’s healthcare system is renowned for its excellence but also for its expense. For Master’s students studying in cities like Zurich, the cost of healthcare can be a significant concern. Swiss law mandates health insurance for everyone, including non-Swiss nationals, ensuring that students can access the medical treatments they need without the stress of financial hardship. 

This coverage is necessary for both emergency and routine healthcare, allowing students to focus on their studies rather than worrying about potential medical bills. Health insurance acts as a financial buffer, managing the liability for high medical costs and ensuring students are covered whether they need a sudden surgical procedure or regular check-ups.

High-Quality Medical Care in Switzerland


The Swiss healthcare system is among the top globally, known for its state-of-the-art medical facilities and treatments. Students in Switzerland, particularly those in major cities like Zurich, benefit from access to some of the best healthcare services available. This access is guaranteed through health insurance, which is compulsory under Swiss law for all residents, including international Master’s students. 

With the right health insurance plan, students have the assurance of receiving high-quality medical care whenever needed, from routine examinations to specialized treatments. This system ensures that all students, regardless of their financial background or country of origin, can receive excellent healthcare, an essential factor for maintaining focus and achieving academic success.

Additional Coverage Options


Understanding the diverse needs of Master’s students, many Swiss insurance providers offer additional coverage options beyond the basic legal requirements. These options can include dental care, mental health support, and alternative medicine, providing a comprehensive safety net that caters to the varied health needs of students. Such coverage is particularly beneficial for scholarship students, as it offers extended health protection without significantly impacting their financial aid. 


Additionally, for international students, selecting a plan with extensive coverage can facilitate obtaining a Swiss residence permit, ensuring they meet the legal health insurance requirements while studying in Switzerland. By choosing a plan that includes these additional options, Master’s students can manage their health proactively, ensuring they are covered by a wide range of medical services and can fully engage with their academic and personal life in Switzerland.


What is Included in Master Health Insurance for Students in Switzerland?

Basic Medical Services

The basic insurance coverage includes outpatient treatments, emergency services, hospitalization, maternity care, and rehabilitation. It ensures students receive essential medical care without undue financial strain.

Additional Services and Benefits

Students can opt for supplementary insurance plans covering extra services like private hospital rooms, global health coverage, and specialized treatments not included in basic insurance packages.


What are the Differences Between Insurance Plans for Bachelor and Master Students?

Coverage Extent and Comprehensive Plans


For Master’s students, who are typically older than their Bachelor counterparts, there’s often a need for more comprehensive health insurance plans. This requirement arises from a higher likelihood of pre-existing conditions and a generally more complex health profile associated with age. Insurance companies recognize this and offer plans that cater to these nuanced needs, emphasizing the importance of choosing a plan with extensive coverage. 

Such comprehensive plans might cover everything from routine health checks at a clinic to specialized treatments that address chronic conditions. This level of coverage ensures that Master’s students can maintain their health without compromising their education or quality of life during their residence in Switzerland. It also serves as a caution to students to carefully assess their health insurance cards and understand the details of their coverage, safeguarding their privacy and ensuring they receive the care they need.

Age-Based Premiums

Premium costs are another area where differences emerge between insurance plans for Bachelor and Master’s students. Due to the older average age of Master’s students, premiums can be higher, reflecting the increased risk and potential cost to the insurance company. This age-based pricing model means that Master’s students need to budget carefully for health insurance costs, balancing the need for comprehensive coverage with the reality of higher premiums. 

These students need to engage with various insurance companies, utilizing media and social networks to compare plans and find one that offers the best value for their specific situation. Students should also exercise caution in reading the fine print of any insurance policy, ensuring they understand what their premiums cover and any potential limitations to their policy based on age.


Specialized Plans for Specific Needs


Master’s studies often come with unique challenges and requirements, including research-related travel and the need for mental health services. Recognizing this, insurance providers offer specialized plans tailored to the life of a Master’s student. These plans might include coverage for international travel, ensuring that students are protected during fieldwork or conferences abroad, and access to mental health services to support their well-being through the stresses of advanced education. Such tailored plans reflect a deep understanding of the social and educational landscape Master’s students navigate. 


How is the Price of Insurance Determined for International Master Students in Switzerland?

Type of Coverage

The chosen coverage level significantly influences the price, with more comprehensive plans commanding higher premiums. This can all be found out via the contact form on the website. 

Duration of Coverage

Longer coverage periods can affect the total cost, with potential discounts for annual payments. On the other hand, it could be more affordable in the long run, so make sure to inform yourself properly when getting a medical insurance plan.

Premium Level

First of all, we need to understand the difference between franchise and premium:


Premium: It is a regular payment that you make to the insurance company to maintain your insurance. Premiums can be paid monthly, quarterly, semi-annually, or annually, depending on the terms of your policy. You can choose which period suits you for paying. The amount of the premium is determined by various factors, including the type and amount of coverage, your year, your location, and your insurance history. 

Franchise: Franchise or deductible is the amount you agree to pay out of your pocket before you send your insurance company a request. For example, if you have a CHF 500 deductible on your student insurance policy and you break your arm causing a CHF 2’000 bill, you would pay the first  CHF 500 and your insurance would cover the remaining CHF 1,500. The franchise lasts for one year and is not compounded. 

What is the Average Cost of Insurance for International Master Students?

The average cost of health insurance for international Master’s students in Switzerland varies widely based on coverage type, personal factors, and insurance provider. It is recommended to compare different plans and negotiate for the best rates possible.

Some factors must be included in the student insurance plans that you choose, but on average, the premiums are about CHF 80 to CHF 250 and the franchise/ deductible plan can be from CHF 300 to CHF 2500. 


Health insurance is not just a legal requirement for Master’s students in Switzerland; it’s a critical aspect of ensuring their well-being for any case scenario during their studies. By understanding the options and making informed choices, students can secure their health and academic success.

How can We Help?

Evasan has tailored student medical insurance plans that will be the most affordable option for international students. With the CHF 0 franchise plan, you do not pay anything out of your pocket and let Evasan cover the expenses in case of an emergency, hospitalization, or medical assistance. 

How to Purchase International PhD Student Health Insurance?

Purchasing health insurance involves comparing different providers, understanding coverage options, and completing the necessary paperwork. Our guides and consultations can simplify this process, ensuring you get the best coverage for your needs.

Frequently Asked Questions (FAQ)

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