Cross-border calculator: health-insurance right of option
Cross-border worker in Switzerland or new resident subject to the right of option? Identify in a few clicks the applicable scheme, the deadline and the procedure.
Answer the two questions to display the applicable scheme, the deadline and who insures where.
3-month deadline
The right of option is exercised within 3 months of starting work or becoming subject.
Single choice
The choice between LAMal and CMU is in principle final for the duration of the cross-border activity.
Who insures where
Employed in Switzerland, resident in France: LAMal in Switzerland by default, CMU in France by option.
Pointers based on the free-movement agreements and the health-insurance right of option (public sources: Swiss and French authorities). Check your exact case with the competent body.
Frequently asked questions — cross-border workers
- What is the health-insurance right of option?
- It is the possibility, for a cross-border worker, to choose between Swiss health insurance (LAMal) and the French scheme (CMU), instead of being automatically affiliated in the country of employment.
- What is the deadline to exercise the right of option?
- The right of option is in principle exercised within 3 months of the start of activity or of becoming subject. After this deadline, the choice may become fixed.
- Is the choice reversible?
- The right of option is in principle exercised only once and remains valid for the entire duration of the cross-border activity. Changes of situation (end of activity, moving house) may reopen the question.
- How do I cancel my basic insurance if I change scheme?
- If you leave the LAMal for another scheme, the cancellation follows the usual rules (letter, deadlines). Our letter generator helps you prepare the mail.