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
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: 22 October 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: 22 October 2026
Swiss health insurance deductible 2027: 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: 20 October 2026
Health insurance in retirement: LAMal or country of residence?
Swiss pension only, a French pension too, a third-country pension: who insures you in retirement, when to exercise the right of option again, and at what cost.
Updated on: 7 October 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: 30 September 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, deductible, and local EU coverage.
Updated on: 30 September 2026
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
Your money in CHF, your spending in EUR
Convert your Swiss francs to euros at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount.