Mandatory vs optional
Basic LAMal mandatory for all Swiss residents (subscribe within 3 months of arrival). LCA — all supplementaries — fully optional.
Acceptance: automatic vs underwriting
LAMal: refusal forbidden. LCA: insurer may refuse or exclude pre-existing conditions. Subscribe LCA young and healthy.
Pricing: regulated vs free market
LAMal: premiums approved yearly by FOPH; benefits identical by law. LCA: free market pricing — gaps from CHF 80 to CHF 280/mo for hospital private.
Cancellation: different rules
LAMal: November 30 by registered mail. LCA: per contract — often 5-year initial lock-in. Polia advises splitting LAMal and LCA across two insurers for flexibility.
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