CMU or LAMal? Comparison, simulator & quotes for cross-border workers

Are you a Swiss border worker unsure between CMU and LAMal? Start a free simulation to compare costs, contributions, and health insurance coverage. Find out which scheme is most beneficial for your situation in 2025.

Receive your personalized CMU/LAMal quote and expert support

After your simulation, our team will assist you in finalizing your choice between CMU and LAMal: analysis of your profile, explanation of the procedures (option right) and cost estimation. Fill out the form above to get a free quote tailored to your cross-border situation.

You can also prendre rendez-vous avec un conseiller frontalier to discuss your situation in complete confidentiality.

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  personalized quote

• Finalize your
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Nos Outils

Simulateurs et Devis Gratuits en Ligne pour vos Assurances

Accédez à nos simulateurs d'assurance 100% gratuits pour estimer votre tarif en quelques clics. Comparez les meilleures offres du marché et obtenez immédiatement un devis personnalisé sans engagement pour votre assurance santé, prêt immobilier ou prévoyance.

Loan Insurance

Compare borrower insurance and save on your mortgage.

CMU vs LAMal

Determine the most advantageous health insurance plan for you as a cross-border worker.

Borrowing capacity

Estimate the amount you can borrow based on your income and expenses.

Salaire Brut en Net

Convert your gross Swiss salary to net after deductions for charges and taxes.

Transport Cost

Calculate the real cost of your trips (fuel, wear and tear, tolls, road tax).

Télétravail Frontalier

Vérifiez si vous respectez les règles du télétravail pour les frontaliers (limite de jours, fiscalité).

Border Calendar

Ne manquez aucune échéance importante. Notre calendrier vous rappelle vos dates clés.