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
Off work in Switzerland: who pays a cross-border worker | ibani
Accident, long sick leave, disability: what Swiss accident insurance, the employer, the IV and the pension fund pay a cross-border worker. 2026 figures.
Updated on: 21 September 2026
CSG-CRDS for Cross-Border Workers 2026: Who Pays What | ibani
CSG-CRDS, the 8% health contribution, boxes 6DD and 8SH: what a Swiss cross-border worker living in France really pays on salary and assets in 2026.
Updated on: 16 September 2026
Swiss health insurance deductible 2026: the break-even | ibani
Deductible of 300 or 2,500, family doctor, HMO or Telmed: the exact care spend at which a high deductible stops paying, and when you may switch.
Updated on: 4 September 2026
Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country
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.
Updated on: 29 July 2026
Changing cross-border health insurance (LAMal) | ibani
Right of option LAMal vs CMU/GKV/SSN: which changes (unemployment, moving, retirement) reopen a cross-border worker's health cover choice in 2026.
Updated on: 8 July 2026
What does LAMal cover in France, Germany & Italy? The S1 Form
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.
Updated on: 18 February 2026
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