---
title: "Health Insurance: LAMal vs CMU"
url: https://www.ibani.com/en/guides/cross-border-worker-health-insurance
lang: en
date_modified: 2026-10-22
---

# 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](https://www.ibani.com/images/csg-crds-frontalier-suisse-cotisation-maladie.png)](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland)

### [CSG-CRDS for Cross-Border Workers 2026: Who Pays What | ibani](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland)

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.

[Read article](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland)

Updated on: 22 October 2026

[![Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/images/ibani-insurance-og.jpg)](https://www.ibani.com/en/guides/crossborder-worker-insurance)

### [Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/en/guides/crossborder-worker-insurance)

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.

[Read article](https://www.ibani.com/en/guides/crossborder-worker-insurance)

Updated on: 22 October 2026

[![Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/images/lamal-modeles-assurance-franchise-telmed-hmo.png)](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

### [Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

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.

[Read article](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

Updated on: 20 October 2026

[![Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/images/assurance-maladie-retraite-frontalier-fin-droit-option.png)](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

### [Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

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.

[Read article](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

Updated on: 7 October 2026

[![Changing cross-border health insurance (LAMal) | ibani](https://www.ibani.com/images/guide-sante-frontalier.png)](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu)

### [Changing cross-border health insurance (LAMal) | ibani](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu)

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

[Read article](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu)

Updated on: 30 September 2026

[![What does LAMal cover in France, Germany & Italy? The S1 Form](https://www.ibani.com/images/guide-sante-frontalier.png)](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form)

### [What does LAMal cover in France, Germany & Italy? The S1 Form](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-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.

[Read article](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form)

Updated on: 30 September 2026

[![Off work in Switzerland: who pays a cross-border worker | ibani](https://www.ibani.com/images/accident-invalidite-frontalier-suisse-laa-ai.png)](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland)

### [Off work in Switzerland: who pays a cross-border worker | ibani](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland)

Accident, long sick leave, disability: what Swiss accident insurance, the employer, the IV and the pension fund pay a cross-border worker. 2026 figures.

[Read article](https://www.ibani.com/en/guides/accident-sick-leave-disability-cross-border-worker-switzerland)

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.

[See the CHF → EUR rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate)