Health Insurance Waiver Template for Switzerland

The Health Insurance Waiver is essential in Switzerland's highly regulated healthcare environment, where health insurance is mandatory for all residents under federal law. This document becomes necessary when individuals have legitimate grounds for exemption from the Swiss healthcare system, typically due to adequate foreign coverage or special circumstances defined by law. The waiver must be carefully structured to address the requirements of the Federal Law on Health Insurance (KVG/LAMal) and related cantonal regulations. It requires detailed documentation of alternative coverage, proof of eligibility for exemption, and formal declarations. Common scenarios requiring a Health Insurance Waiver include international students with comprehensive foreign insurance, posted workers maintaining home country coverage, or individuals with specific international healthcare arrangements. The document serves as a formal record of the exemption request and, if approved, provides legal protection for both the individual and relevant authorities.

1. Parties: Identification of the individual requesting the waiver and the relevant insurance authority/institution

2. Background: Context explaining the reason for the waiver request and the legal basis under Swiss law

3. Definitions: Key terms used in the document, including relevant insurance terminology and legal references

4. Current Insurance Status: Details of existing health insurance coverage, whether foreign or alternative

5. Basis for Waiver Request: Specific grounds under Swiss law justifying the waiver request

6. Declaration of Alternative Coverage: Formal statement confirming adequate alternative health insurance coverage

7. Duration of Waiver: Specified period for which the waiver is requested/granted

8. Obligations and Acknowledgments: Responsibilities of the applicant and acknowledgment of risks

9. Certification: Formal declaration of truth and accuracy of provided information

10. Signature Block: Space for signatures, dates, and official stamps