Health Insurance: LAMal vs CMU

The ultimate comparison for your right of option. Should you choose French social security (CMU) or Swiss insurance (LAMal)? Rates and advice.

Guides on this topic

Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country | ibani

Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country | ibani

Should you choose Swiss health insurance (LAMal) or your home country's system (CMU, GKV, SSN)? Discover the pros, cons, and our multi-country cost simulator.

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Updated on: 29 July 2026

Changing cross-border health insurance (LAMal) | ibani

Changing cross-border health insurance (LAMal) | ibani

Right of option LAMal vs CMU/GKV/SSN: which status changes (unemployment, moving, retirement) reopen a cross-border worker's health insurance choice in 2026, and by when.

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Updated on: 8 July 2026

What does LAMal cover in France, Germany & Italy? The S1 Form | ibani

What does LAMal cover in France, Germany & Italy? The S1 Form | ibani

Discover what the Swiss health insurance (LAMal/KVG) actually covers for cross-border workers. Expert explanation of the S1 form, franchise, and local EU coverage.

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Updated on: 18 February 2026

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