{"id":1029,"date":"2024-08-10T14:32:50","date_gmt":"2024-08-10T12:32:50","guid":{"rendered":"https:\/\/www.deine3a.ch\/?page_id=1029"},"modified":"2025-05-19T19:11:22","modified_gmt":"2025-05-19T17:11:22","slug":"is-swiss-health-insurance-voluntary-or-compulsory","status":"publish","type":"page","link":"https:\/\/www.deine3a.ch\/en\/ist-die-schweizer-krankenkasse-freiwillig-oder-pflicht\/","title":{"rendered":"Deine3a | Is Swiss health insurance voluntary or compulsory? | Emigration Switzerland | Emigration Agency"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1029\" class=\"elementor elementor-1029\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fcfc7ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fcfc7ff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b9b935\" data-id=\"5b9b935\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b22899 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"1b22899\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Ist die Schweizer Krankenkasse freiwillig oder Pflicht? <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce65ad elementor-view-default ob-has-background-overlay elementor-widget elementor-widget-icon\" data-id=\"0ce65ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-quote-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H336c-26.5 0-48 21.5-48 48v128c0 26.5 21.5 48 48 48h80v64c0 35.3-28.7 64-64 64h-8c-13.3 0-24 10.7-24 24v48c0 13.3 10.7 24 24 24h8c88.4 0 160-71.6 160-160V80c0-26.5-21.5-48-48-48zm-288 0H48C21.5 32 0 53.5 0 80v128c0 26.5 21.5 48 48 48h80v64c0 35.3-28.7 64-64 64h-8c-13.3 0-24 10.7-24 24v48c0 13.3 10.7 24 24 24h8c88.4 0 160-71.6 160-160V80c0-26.5-21.5-48-48-48z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6575cb4 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"6575cb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ja, die Schweizer Grundversicherung ist obligatorisch, w\u00e4hrend der Abschluss einer Zusatzversicherung freiwillig ist. Da die Grundversicherung nicht alle Kosten abdeckt, empfiehlt es sich, eine Zusatzversicherung abzuschliessen, um sich gegen finanzielle Risiken im Krankheitsfall abzusichern. Nach deiner Anmeldung bei der Schweizer Gemeinde hast du 90 Tage Zeit, um dich f\u00fcr eine <a href=\"https:\/\/www.deine3a.ch\/krankenkasse-fuer-auswanderer\/\">Krankenkasse<\/a> zu entscheiden. Wichtig zu beachten ist, dass deine &#8222;Beitragspflicht&#8220; r\u00fcckwirkend ab dem Einreisedatum in die Schweiz gilt. Es ist daher nicht ratsam, mit dem Abschluss der Krankenversicherung zu warten, da du in dieser Zeit nur grundversichert bist und noch keine Zusatzversicherung hast. Wir erkl\u00e4ren dir, wie eine sinnvolle Kombination aus Beidem aussehen kann: <a href=\"https:\/\/www.deine3a.ch\/kontakt\/\">Kontaktformular<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f0987d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f0987d0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dda125c\" data-id=\"dda125c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8158087 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"8158087\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic-1024x1024.png\" class=\"attachment-large size-large wp-image-3046\" alt=\"Auswandern Schweiz | Deine3a\" srcset=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic-1024x1024.png 1024w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic-300x300.png 300w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic-150x150.png 150w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic-768x768.png 768w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/Jim-Ince_Pic.png 1212w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8290e32\" data-id=\"8290e32\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b542c7 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"1b542c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Jim Ince<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc5637d ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"dc5637d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Experte | Auswanderungsagentur Deine3a<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e11cdd2 elementor-align-center ob-has-background-overlay elementor-widget elementor-widget-button\" data-id=\"e11cdd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_butterbutton_use_it&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.deine3a.ch\/die-haeufigsten-fragen-auswandern-schweiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zur\u00fcck zur \u00dcbersicht<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d94c1c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d94c1c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5454463\" data-id=\"5454463\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f94b978 ha-align-center ha-align-center ha-layout-block ha-layout-inline ob-has-background-overlay elementor-widget elementor-widget-ha-advanced-heading happy-addon ha-advanced-heading happy-addon-pro\" data-id=\"f94b978\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"ha-advanced-heading.default\">\n\t\t\t\t\t\n\t\t<h2 class=\"ha-advanced-heading-tag\">\n\t\t\t\t\t\t<div class=\"ha-advanced-heading-wrap\" data-background-text=\"\">\n\t\t\t\t<span class=\"ha-advanced-heading-before\">Beratungsteam<\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-center\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-after\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-border\"><\/span>\n\t\t\t<\/div>\n\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0918cf ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"c0918cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Unser Beratungsteam und Innendienst sind auf Auswanderer aus Deutschland und \u00d6sterreich spezialisiert, t\u00e4glich begleiten wir Menschen beim Auswandern in die Schweiz. Wenn auch du in die Schweiz auswandern m\u00f6chtest, melde dich gerne \u00fcber das Kontaktformular und lerne unser Team in Z\u00fcrich kennen \u2013 wir freuen uns auf dich! \ud83e\udd17<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe3abca elementor-widget elementor-widget-gallery\" data-id=\"fe3abca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:3,&quot;_animation&quot;:&quot;none&quot;,&quot;gallery_layout&quot;:&quot;grid&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;aspect_ratio&quot;:&quot;3:2&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-gallery__container\">\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a64649-1024x683.jpg\" data-width=\"800\" data-height=\"534\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a65050-1024x683.jpg\" data-width=\"800\" data-height=\"534\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a64834-1024x683.jpg\" data-width=\"800\" data-height=\"534\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a65081-1024x683.jpg\" data-width=\"800\" data-height=\"534\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a64893-1024x682.jpg\" data-width=\"800\" data-height=\"533\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"e-gallery-item elementor-gallery-item\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/09\/20240918_Deine3a64576-1024x683.jpg\" data-width=\"800\" data-height=\"534\" aria-label=\"Deine3a | Auswandern Schweiz\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a76b33f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a76b33f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f72d16\" data-id=\"6f72d16\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6d79e1 ha-align-center ha-align-center ha-layout-block ha-layout-inline ob-has-background-overlay elementor-widget elementor-widget-ha-advanced-heading happy-addon ha-advanced-heading happy-addon-pro\" data-id=\"c6d79e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"ha-advanced-heading.default\">\n\t\t\t\t\t\n\t\t<h2 class=\"ha-advanced-heading-tag\">\n\t\t\t\t\t\t<div class=\"ha-advanced-heading-wrap\" data-background-text=\"\">\n\t\t\t\t<span class=\"ha-advanced-heading-before\">Budgetrechner - Was kostet mich die Schweiz im Monat?<\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-center\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-after\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-border\"><\/span>\n\t\t\t<\/div>\n\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56c7c9f ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"56c7c9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Auswandern Schweiz: Mit unserem Budgetrechner kannst du deine monatlichen Ausgaben in der Schweiz realistisch einsch\u00e4tzen. Von Miete \u00fcber Krankenkasse bis Steuern \u2013 das Tool berechnet deine Lebenshaltungskosten und zeigt dir am Ende deine Sparquote. Ideal zur Vorbereitung auf deine Auswanderung in die Schweiz.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51bc938 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"51bc938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"527\" data-src=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2025\/01\/Budgetrechner_Screenshot.png\" class=\"attachment-large size-large wp-image-7536 lazyload\" alt=\"Auswandern Schweiz | Budgetrechner Schweiz\" data-srcset=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2025\/01\/Budgetrechner_Screenshot.png 869w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2025\/01\/Budgetrechner_Screenshot-300x197.png 300w, https:\/\/www.deine3a.ch\/wp-content\/uploads\/2025\/01\/Budgetrechner_Screenshot-768x506.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/527;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5764e0a elementor-align-center ob-has-background-overlay elementor-widget elementor-widget-button\" data-id=\"5764e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_butterbutton_use_it&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.deine3a.ch\/budgetrechner-was-kostet-mich-die-schweiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zum Budgetrechner<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-951a001 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"951a001\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1242c47\" data-id=\"1242c47\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a36681 ha-align-center ha-align-center ha-layout-block ha-layout-inline ob-has-background-overlay elementor-widget elementor-widget-ha-advanced-heading happy-addon ha-advanced-heading happy-addon-pro\" data-id=\"8a36681\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"ha-advanced-heading.default\">\n\t\t\t\t\t\n\t\t<h2 class=\"ha-advanced-heading-tag\">\n\t\t\t\t\t\t<div class=\"ha-advanced-heading-wrap\" data-background-text=\"\">\n\t\t\t\t<span class=\"ha-advanced-heading-before\">Hast du Fragen?<\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-center\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-after\"><\/span>\n\t\t\t\t<span class=\"ha-advanced-heading-border\"><\/span>\n\t\t\t<\/div>\n\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc581e ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"9dc581e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Du willst in die Schweiz auswandern? Wir sind gerne f\u00fcr dich da. Unsere Beratungen sind kostenlos. Du erreichst uns \u00fcber das Kontaktformular oder komm auf einen Kaffee in Z\u00fcrich vorbei.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-be2f408 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be2f408\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ac0569d\" data-id=\"ac0569d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div 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data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Youtube<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ff878 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"17ff878\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.youtube.com\/@Deine3a\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Erkl\u00e4rvideos<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b33e7b1\" data-id=\"b33e7b1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3df8593 ob-has-background-overlay elementor-widget elementor-widget-image\" data-id=\"3df8593\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_photomorph_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.deine3a.ch\/kontakt\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"683\" height=\"565\" data-src=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/08\/Pic_Kaffee-4.png\" class=\"attachment-large size-large wp-image-414 lazyload\" alt=\"Auswandern Schweiz | Deine3a\" data-srcset=\"https:\/\/www.deine3a.ch\/wp-content\/uploads\/2024\/08\/Pic_Kaffee-4.png 683w, 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data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kaffee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae14e6 ob-harakiri-inherit ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"aae14e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.deine3a.ch\/kontakt\/\">Z\u00fcrich<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7272168 ob-has-background-overlay elementor-widget elementor-widget-html\" data-id=\"7272168\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Ist die Schweizer Krankenkasse freiwillig oder Pflicht?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Die Schweizer Grundversicherung ist obligatorisch. Zusatzversicherungen sind freiwillig, aber sinnvoll zur Abdeckung zus\u00e4tzlicher Gesundheitskosten.\"\n      }\n    }\n  ]\n}\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ee3466 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ee3466\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-79a6996\" data-id=\"79a6996\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb64711 ob-has-background-overlay elementor-widget elementor-widget-ha-breadcrumbs happy-addon ha-breadcrumbs happy-addon-pro\" data-id=\"bb64711\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"ha-breadcrumbs.default\">\n\t\t\t\t\t<ul class=\"ha-breadcrumbs\"><li class=\"ha-breadcrumbs-item ha-breadcrumbs-start\"><a href=\"https:\/\/www.deine3a.ch\/en\/\" rel=\"home\"><span class=\"ha-breadcrumbs-text\">Startseite<\/span><\/a><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ist die Schweizer Krankenkasse freiwillig oder Pflicht? Ja, die Schweizer Grundversicherung ist obligatorisch, w\u00e4hrend der Abschluss einer Zusatzversicherung freiwillig ist. Da die Grundversicherung nicht alle Kosten abdeckt, empfiehlt es sich, eine Zusatzversicherung abzuschliessen, um sich gegen finanzielle Risiken im Krankheitsfall abzusichern. Nach deiner Anmeldung bei der Schweizer Gemeinde hast du 90 Tage Zeit, um dich [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5075,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1029","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ist die Schweizer Krankenkasse freiwillig oder Pflicht? | Deine3a<\/title>\n<meta name=\"description\" content=\"Die Grundversicherung ist in der Schweiz obligatorisch, die Zusatzversicherung freiwillig. 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