LAMal vs CMU

Find out about all the benefits of Swiss KVG/LAMal for cross-border commuters

LAMal vs CMU

KVG insurance for cross-border commuters

The right of option is provided for in the agreement on the free movement of persons between the European Union and Switzerland.
It came into force on June 1, 2002.

This right of option allows you to be affiliated to the French health insurance scheme rather than to the Swiss health insurance scheme, which is the competent state in the first instance.

You must make your choice within 3 months of starting work in Switzerland. If you have not opted for the French health insurance system, you will be automatically insured in Switzerland.

Making the right choice is crucial, as it is virtually irrevocable and will have an impact on the cost of your healthcare, the choice of specialists and the quality of the healthcare system.


To make the right choice, you need to ask yourself the right questions.

  • Tariff: A fixed price or 8% of your gross income?
  • Coverage: Which system offers the best care and guarantees?
  • Where do you want to be treated?
  • Your career: Now that you’ve made your choice, what kind of income will you have in the future?
  • Your family: Where will your family members be insured?

Which company to choose?

When you choose the Swiss KVG/LAMal system, you have the choice of more than 27 different insurers:

It should be noted that the LAMal system is public in purpose, although managed by private insurers, so the coverages are totally identical. The only differences are as follows:

  • The premium price.
  • Quality of service.
  • Fast repayments.
  • The card system.

It’s important to remember that the price can change every year, which is why it’s so important to have a totally neutral broker who can advise you on whether or not to change, and take care of all the formalities for you.

KVG Frontal covers

Here are the main KVG/LAMal coverages:

  • Carte vitale and full French coverage
  • Hospitalization in a public hospital
  • Examinations, treatment and care provided by a doctor
  • 5 natural therapies
  • Maternity expenses
  • Medical psychotherapy
  • Certain preventive and gynecological examinations
  • Certain Vaccines
  • Coverage abroad
  • Plus a host of additional coverages
In some cases, these coverages are very comprehensive, while in others they require additional coverage.

Deductible & KVG/LAMal co-payments

Whichever Swiss KVG/LAMal insurance you choose, it is subject to certain rules and regulations. Here they are:

A franchise system:
300 for adults and young adults.
0 for children

* The deductible is the amount you have to pay before the insurance begins to reimburse you.

a quota-share system:
10% when the deductible is exceeded for adults, up to a maximum of $750/year
10% of the excess for children, up to a maximum of $350/year

* The co-payment is an additional amount you will have to pay when you exceed your deductible.

LAMal age groups

Today, there are only 3 possible age ranges:

  • Children: (0 to 18 years)
  • Young Adults: (ages 19 to 25)
  • Adults: (+26 years)
Some airlines offer discounts for families with as few as 3 children.