Health insurance is compulsory in Switzerland. You must obtain health insurance no later than three months after you arrive, if not you will have a fine. The insurance will be effective from the date of your residence.
There are several health insurances in the canton of Vaud; you are free to choose the one that suits your needs. The health insurer is obliged to accept you, regardless of age and state of health. Accident insurance can also be taken out alongside your health insurance if your employer does not have one already.
Premiums increase each year. It is possible to change insurer by sending a letter of cancellation by registered mail before the end of November.
In case of difficulties paying your premiums, the Vaud Health Insurance Office (OVAM) can help you and pay a subsidy to your health insurer. This amount will depend on your income. The application must be filed with the agency in your area of residence.