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Ticino Sick Fund
Save on health insurance premiums
The Lamal health insurance in Ticino is compulsory as in all the other Swiss cantons and unfortunately our Canton Ticino is among those where the premiums are highest. We must therefore necessarily take out insurance with one of the accredited companies. This obviously also applies to new residents. Cross-border workers are excluded, as they have the possibility to choose whether to remain covered in their country. However, our advice to all foreigners is to choose Switzerland, thus being able to count, if necessary, on being treated in one of the best healthcare systems in the world. The first questions we are normally asked are: "What does the insurance cover? Lamal?"; "Should I also take out complementary LCA policies?"; "I have never had health problems, how can I spend as little as possible and save on premiums?". Answering these questions is quite simple, because the name "complementary" already explains that they are useful for covering some gaps in the base Lamal. For example, the so-called (incorrectly) basis only covers some drugs, reimburses only a maximum of 500 Chf per year for the costs of an ambulance, etc. For the complete list of what exactly it covers and to resolve your doubts, please refer to at the following links: - What does Lamal cover? - What are supplementary benefits? - How can I save on the health insurance premium? - How does the health insurance deductible work? - When can I send a cancellation? - Am I entitled to a subsidy? - What is it and how does verificationcassamalati.ch work?
