In Switzerland, care financing rests clearly on three shoulders.
✚
The three payers
Payer 1
The health insurer
Fixed contributionby care need
Fixed by lawthe same everywhere
Only a partnot all nursing
Payer 2
You yourself
Nursing homemax. about 23 fr. a day
Home careabout 15 fr. a day
Assistance & lodgingyour own cost
Payer 3
Canton and municipality
Residual financingcanton or municipality
Covers the restof nursing costs
Predictablefor the nursing
The catch
The big gap remains
Only nursingis regulated
Assist. & lodgingstay with you
Gapplan for it
Good to know
Do you know your share?
💡 First step: The actual nursing costs are shared by the health insurer, your co-payment (max. about 23 francs a day in a home, about 15 with home care) and the public purse – but assistance and board and lodging you pay yourself.