Salary & health
CMU or LAMal: choice criteria and the right of option
Do you live in France and work in Switzerland? Your circumstances matter when choosing compulsory health insurance. Compare your household budget, administrative steps and healthcare habits before deciding.
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Turn your comparison criteria into a budget
This guide explains the two schemes. To put figures to your circumstances, open the free calculator: it estimates monthly and annual contributions for your household before you request advice.
Calculate my CMU / LAMal contributionsCMU and LAMal: what to compare
| Criterion | French health insurance (cross-border CMU) | Swiss health insurance (LAMal) |
|---|---|---|
| Budget | The contribution uses personal income assessed by Urssaf for year N−2, after applicable deductions and the annual allowance. The household’s reference taxable income checks the declaration; it does not replace personal income. | Compare LAMal insurers’ premiums for your profile. The cost cannot simply be calculated from your gross salary. |
| Your household | A partner’s and children’s cover depends on their circumstances and coordination rules. Review the cost and entitlements for each household member. | |
| Healthcare in France and Switzerland | Administrative steps and reimbursements vary with your insurance affiliation and where care is provided. Consider the healthcare professionals you use. | |
Understanding the right of option
Eligible people may choose French rather than Swiss health insurance through the right of option. The choice must be formally made within the applicable deadlines and can only be reopened in certain circumstances. An adviser can help prepare your application; CPAM and the competent Swiss authority confirm your entitlements.
Your CMU and LAMal questions
Which system costs less for me?
There is no single answer. Compare the French contribution, Swiss premiums and each household member’s situation using information for your year of affiliation.
Does a simulation enrol me in insurance?
A simulation helps you prepare your choice. Enrolment requires administrative steps with the relevant organisations. Our brokerage can help you prepare them.
How do CMU, LAMal and supplementary health insurance differ?
Cross-border CMU and LAMal are compulsory health insurance systems. Supplementary insurance can help cover remaining costs, depending on the policy’s benefits.
