Your trusted guide to choosing between CMU and LAMal
The right of option is one of the first steps to take when you become a cross-border worker, whether as a new cross-border worker or in the event of a change in your professional situation.
It allows you to choose between two health insurance plans: the CMU for cross-border workers or the LAMAL .
The right of option allows you to choose between two health insurance plans: the CMU or the LAMALWe guide you through this process so that you can make an informed decision, based on your needs and your situation as a cross-border worker, thus simplifying a sometimes complex process.
The right of option allows you to benefit from health coverage optimized, by choosing the plan that best suits your needs. We help you analyze the benefits of each plan (CMU or LAMAL) and make the best choice to reduce your health costs while ensuring you have comprehensive coverage.
Our experts offer you a personalized advice to help you understand the differences between CMU and LAMAL. We take the time to study your professional and personal situation to recommend the most advantageous option, in order to optimize your health coverage while meeting your specific needs.
Whether you are new border crosser or your situation has changed, the right to opt allows you to choose the option best suited to your situation. Thanks to our expertise, you can easily switch from one plan to another and benefit from the benefits of flexible health coverage, depending on your changes in professional status.
When working as a cross-border worker, the difference between the CMU (Universal Health Coverage) or the LAMal (Swiss Health Insurance) is crucial in terms of contributions and reimbursement. Our calculator will give you a general overview.
CMU : - €
LAMal : - €
Conclusion : -
Cross-border workers have the right to choose between:
This decision is irrevocable except in the event of a change in circumstances (at least one day of unemployment benefit).
CMU : less interesting for low incomes: contributions change over the course of your career based on your net reference tax income.
LAMal : Ideal for high incomes or those seeking the best reimbursement in Switzerland. Premiums vary depending on where you live.
We answer the most common questions about choosing between Swiss and French health insurance plans. Whether you're a cross-border commuter or a resident of France or Switzerland, we'll guide you through this crucial choice to optimize your health coverage and ensure protection tailored to your professional and personal situation.
The right of option must be exercised within 3 months following taking up a position in Switzerland, returning to work after a period of unemployment, moving to France or becoming retired. If no option is chosen, affiliation is automatic to Swiss health insurance.
The right of option between the Swiss and French health insurance systems is irrevocable and can only be exercised once. However, certain changes in your personal circumstances allow you to reverse your choice. These changes include:
Resumption of activity in Switzerland, for example after a period of unemployment.
Transferring or moving your residence to France.
Transition to retirement from the Swiss regime only.
Events such as changes in civil status (mariage, divorce), des changements dans la composition of your family (birth or death) or a change of profession without a period of unemployment does not allow you to review your decision.
In this case, it is essential to check with your primary health insurance fund in France to find out if you meet the criteria of the right of option. According to the nature of your activity (employee or independent) and its importance, you could be affiliated with health insurance French rather than to the SwissIt is therefore important to clarify this situation in order to choose the plan best suited to your professional situation.
If you have not exercised your right of option within 3 months following your start of activity in Switzerland, your move to France or your retirement, you will be automatically affiliated with the Swiss health insurance scheme (LAMAL)It is therefore important to respect this deadline to avoid affiliation by default.
Our customers' feedback on our personalized service for choosing between CMU and LAMAL.
The team was very responsive and clearly explained the differences between CMU and LAMAL. Thanks to their advice, I was able to make an informed choice for my health coverage as a cross-border commuter. A very professional service!
Contact us today for personalized and professional financial advice.
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