832.10 KVGLAMAL

CH

Art. 3 Bundesgesetz vom 18. März 1994 über die Krankenversicherung (KVG) - Versicherungspflichtige Personen

KVG; 2. Titel: Obligatorische Krankenpflegeversicherung; 1. Kapitel: Versicherungspflicht

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Art. 3 KVG · Versicherungspflichtige Personen

Jede Person mit Wohnsitz in der Schweiz muss sich innert drei Monaten nach der Wohnsitznahme oder der Geburt in der Schweiz für Krankenpflege versichern oder von ihrem gesetzlichen Vertreter beziehungsweise ihrer gesetzlichen Vertreterin versichern lassen.

Der Bundesrat kann Ausnahmen von der Versicherungspflicht vorsehen, namentlich für Personen, die im Sinne von Artikel 2 Absatz 2 des Gaststaatgesetzes vom 22. Juni 2007 mit Vorrechten, Immunitäten und Erleichterungen begünstigt sind.

Er kann die Versicherungspflicht auf Personen ohne Wohnsitz in der Schweiz ausdehnen, insbesondere auf solche, die: a. in der Schweiz tätig sind oder dort ihren gewöhnlichen Aufenthalt (Art. 13 Abs. 2 ATSG ) haben; b. im Ausland von einem Arbeitgeber mit einem Sitz in der Schweiz beschäftigt werden.

Die Versicherungspflicht wird sistiert für Personen, die während mehr als 60 aufeinander folgenden Tagen dem Bundesgesetz vom 19. Juni 1992 über die Militärversicherung (MVG) unterstellt sind. Der Bundesrat regelt das Verfahren.

← Art. 2 KVG Bundesgesetz vom 18. März 1994 über die Krankenversicherung (KVG) Art. 4 KVG →

Gerichtsentscheide zu dieser Bestimmung (440)

VVGE.2001.02.Nr.20 · ow (Art. 3 ff. KVG)

Social Assistance: Car Costs and Supplementary Insurance

These articles concern mandatory health insurance, which is considered the basis for medical care within social assistance, and are mentioned as the general rule for covered medical costs.

ZZ.1986.25 · so (Art. 3 Abs. 3 KVG)

Insurer Premium Recalculation Based on Age Reclassification Violates Equal Treatment Principle

Cited in the reasoning as the source of the principles of reciprocity and equal treatment, which are violated by the disputed tariff change.

C-1620/2023 (Art. 3 Abs. 1 KVG)

Swiss AHV/IV Contribution for Pensioner with Polish Pension

Cited for the general obligation to be insured against sickness for persons residing in Switzerland.

200 2025 330 · be (Art. 3 Abs. 1 KVG)

Appeal Dismissed: Mandatory Health Insurance Premium Collection Upheld

Cited in the reasoning, but not in the final orders.

200 2025 330 · be (Art. 3 Abs. 2 KVG)

Appeal Dismissed: Mandatory Health Insurance Premium Collection Upheld

Cited in the reasoning, but not in the final orders.

VBE.2024.583 · ag (Art. 3 Abs. 1 KVG)

Insurer Wins Against Former Client for Unpaid Premiums, Collection Costs Excluded

Cited as the fundamental rule that every person residing in Switzerland is subject to mandatory health insurance.

S 2024 113 · zg (Art. 3 Abs. 1 KVG)

Insured Person v. Health Insurer: Premium Debt, Payment Allocation, and Fee Dispute

Cited in the reasoning regarding the mandatory health insurance obligation (Krankenversicherungsobligatorium) for residents in Switzerland.

VBE.2024.530 · ag (Art. 3 Abs. 1 KVG)

Enforcement of Unpaid Health Insurance Premiums Invalid Due to Prior Subsidy Payment

Cited as the basis for the obligation to take out health insurance.

608 2024 127 · fr (Art. 3 al. 1 LAMal)

Health Insurance Premium Reduction Retroactivity Appeal Dismissal

Cited in the reasoning to establish the general obligation to have sickness insurance in Switzerland.

608 2024 167 · fr (Art. 3 al. 1 de la loi du 18 mars 1994 sur l’assurance-maladie (LAMal; RS 832.10))

Cantonal Health Insurance Premium Reduction Backdating Appeal Dismissed

Cited to establish the general obligation to have health insurance upon establishing domicile in Switzerland.

KV.2024.00008 · zh (Art. 3 Abs. 1 KVG)

Insurer's Decision on Health Insurance Contract Adjustment Upheld Based on Pension Recipient's Habitual Residence

Cited as part of the legal framework confirming that the place of residence determines the applicable insurance rules, which was found to be Greece.

VSBES.2024.278 · so (Art. 3 KVG)

Non-Resident Employee Health Insurance Exemption Appeal

Cited in the reasoning section as the basis for the general mandatory insurance requirement, which is the subject of the appeal.

200 2024 218 · be (Art. 3 Abs. 1 KVG)

Health Insurer Challenge Against Retroactive Compulsory Insurance Assignment

Cited in the reasoning to establish the three-month deadline for mandatory insurance, which forms the basis for applying Art. 6 Abs. 2 KVG.

200 2024 218 · be (Art. 3 Abs. 3 KVG)

Health Insurer Challenge Against Retroactive Compulsory Insurance Assignment

Cited in the reasoning regarding the insurance obligation for persons without residence in Switzerland.

KV.2024.00011 · zh (Art. 3 Abs. 1 KVG)

Health Insurance Premiums: Cancellation Ineffectiveness and Debt Collection

Cited in the dispositive to establish the insured's obligation to have health insurance.