{"id":30353,"date":"2024-10-16T14:57:43","date_gmt":"2024-10-16T12:57:43","guid":{"rendered":"https:\/\/novassurance.ch\/?page_id=30353"},"modified":"2025-08-29T14:48:27","modified_gmt":"2025-08-29T12:48:27","slug":"assurance-lamal-suisse","status":"publish","type":"page","link":"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/","title":{"rendered":"LAMAL"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"30353\" class=\"elementor elementor-30353\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85a3d1f elementor-section-content-middle envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85a3d1f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e50819e\" data-id=\"e50819e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9ab2b5 elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"c9ab2b5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/novassurance.ch\/en\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12.png\" class=\"attachment-large size-large wp-image-29783\" alt=\"Novassurance-logo\" srcset=\"https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12.png 400w, https:\/\/novassurance.ch\/wp-content\/uploads\/2024\/10\/Untitled-design-12-300x188.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-534b16f\" data-id=\"534b16f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36c8c15 elementor-nav-menu__align-start elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"36c8c15\" data-element_type=\"widget\" data-settings=\"{&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;},&quot;layout&quot;:&quot;horizontal&quot;,&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-36c8c15\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-31004\"><a href=\"https:\/\/novassurance.ch\/en\/\" class=\"elementor-item menu-link\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\">about us<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\">business<span role=\"application\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LIABILITY PRO<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\">private<span role=\"application\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMAL<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>SUPPLEMENTARY<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3RD PILAR<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LIABILITY\/HOME<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>VEHICLE<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LEGAL PROTECTION<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\">expatriate<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a href=\"https:\/\/novassurance.ch\/en\/blog-assurance-suisse\/\" class=\"elementor-item menu-link\">BLOG<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31262\"><a href=\"https:\/\/novassurance.ch\/en\/faq-assurance-suisse\/\" class=\"elementor-item menu-link\">FAQ<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31010\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" class=\"elementor-item menu-link\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t\t<span class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-36c8c15\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-31004\"><a href=\"https:\/\/novassurance.ch\/en\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31006\"><a href=\"https:\/\/novassurance.ch\/en\/agence-conseil-en-assurance\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">about us<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31011\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-entreprise-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">business<span role=\"application\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31016\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lpp-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LPP<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31014\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-laa-et-laac-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAA\/LAAC<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31013\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-ijm-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>IJM<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31020\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-pro-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LIABILITY PRO<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-31017\"><a aria-expanded=\"false\" href=\"https:\/\/novassurance.ch\/en\/assurance-particulier-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">private<span role=\"application\" class=\"dropdown-menu-toggle ast-header-navigation-arrow\" tabindex=\"0\" aria-expanded=\"false\" aria-label=\"Menu Toggle\" aria-haspopup=\"true\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31015\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-lamal-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LAMAL<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31009\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-complementaire-sante-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>SUPPLEMENTARY<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31005\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-3e-pilier-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>3RD PILAR<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31021\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-rc-et-menage-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LIABILITY\/HOME<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31022\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-vehicule-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>VEHICLE<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31019\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-protection-juridique-suisse\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\"><span class=\"ast-icon icon-arrow\"><svg class=\"ast-arrow-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" x=\"0px\" y=\"0px\" width=\"26px\" height=\"16.043px\" viewbox=\"57 35.171 26 16.043\" enable-background=\"new 57 35.171 26 16.043\" xml:space=\"preserve\">\n                <path d=\"M57.5,38.193l12.5,12.5l12.5-12.5l-2.5-2.5l-10,10l-10-10L57.5,38.193z\" \/>\n                <\/svg><\/span>LEGAL PROTECTION<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31012\"><a href=\"https:\/\/novassurance.ch\/en\/assurance-expatries-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">expatriate<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31008\"><a href=\"https:\/\/novassurance.ch\/en\/blog-assurance-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">BLOG<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31262\"><a href=\"https:\/\/novassurance.ch\/en\/faq-assurance-suisse\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">FAQ<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-31010\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-65db640\" data-id=\"65db640\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-002622a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"002622a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ec35c91\" data-id=\"ec35c91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb65164 elementor-align-center elementor-mobile-align-right elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"cb65164\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xs\" href=\"tel:022%20552%2033%2050\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">022 552 33 50<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-6c5828db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6c5828db\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;background_motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-543601f3\" data-id=\"543601f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58ab2566 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"58ab2566\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">LAMAL<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57904905 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"57904905\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance LAMAL Suisse\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24db83f1 envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24db83f1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fd91438\" data-id=\"4fd91438\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fa65d8 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9fa65d8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance LAMAL Suisse\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed3ed8 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3ed3ed8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Essential Guide<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17a664cc elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"17a664cc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1985d320 elementor-widget elementor-widget-text-editor\" data-id=\"1985d320\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>LAMAL, or the Federal Law on Health Insurance, is the legal framework that governs the health insurance system in Switzerland. In effect since 1996, its aim is to ensure access to quality healthcare for all Swiss residents. This text provides a detailed overview of how it works, its challenges, and its implications for the insured.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f195c43 envato-kit-141-top-0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f195c43\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-44c1dfa7\" data-id=\"44c1dfa7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7985b1bc elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7985b1bc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Insurance Requirements<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1de0b29a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1de0b29a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Principles of LAMAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3de179c1 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"3de179c1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ad3fb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"5ad3fb2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-371fe06c\" data-id=\"371fe06c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b1ee41d elementor-widget elementor-widget-heading\" data-id=\"4b1ee41d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Universality:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24bbde8f elementor-widget elementor-widget-text-editor\" data-id=\"24bbde8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Toute personne r\u00e9sidant en Suisse doit \u00eatre assur\u00e9e par une caisse d&rsquo;assurance maladie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a9db692 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"a9db692\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8c6206\" data-id=\"d8c6206\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e86e43 elementor-widget elementor-widget-heading\" data-id=\"6e86e43\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Freedom of Choice:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5723cc elementor-widget elementor-widget-text-editor\" data-id=\"d5723cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insured individuals have the freedom to choose their insurance fund and healthcare providers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b5347a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"1b5347a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-93777f8\" data-id=\"93777f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4b7ea9 elementor-widget elementor-widget-heading\" data-id=\"c4b7ea9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solidarity:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c7e6c7 elementor-widget elementor-widget-text-editor\" data-id=\"6c7e6c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The system is based on solidarity among the insured, allowing for the pooling of health risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8588e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6d8588e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurance LAMAL Suisse\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36e748fd\" data-id=\"36e748fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69e79658 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"69e79658\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:350}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/novassurance.ch\/wp-content\/uploads\/elementor\/thumbs\/Untitled-design-30-qvn85f8gqxirpvzo84rzzwa2h0jektj7grbft1a502.png\" title=\"Untitled design (30)\" alt=\"Untitled design (30)\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f14b81f elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"5f14b81f\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-5bed563\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-facebook\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-a4a48a6\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-twitter\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-63a961a\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-linkedin\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-fa71646\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-instagram\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66043838 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66043838\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71edbe66\" data-id=\"71edbe66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed4b5ca elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ed4b5ca\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:50}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explore the Details of LAMAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-121f64fc elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"121f64fc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-199465e3 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"199465e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a71bc1f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6a71bc1f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LAMAL is a key component of the Swiss healthcare system, ensuring universal access\n<br> to healthcare while allowing for some flexibility for the insured.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4578e9b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4578e9b7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5d7f246\" data-id=\"5d7f246\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a4e9933 elementor-widget elementor-widget-accordion\" data-id=\"3a4e9933\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9781\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9781\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The Insured and the Insurances<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9781\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9781\"><ul><li><strong>Who Must Be Insured?<\/strong><br \/>All Swiss residents, including foreigners, must subscribe to basic LAMAL insurance. This includes employees, the self-employed, and even students.<\/li><li><strong>Health Insurance Funds<\/strong><br \/>There are many health insurance funds in Switzerland, each offering different premiums, coverages, and services. Insured individuals can compare offers and choose the one that best meets their needs.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9782\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9782\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The coverage of basic insurance<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9782\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9782\"><p>LAMAL covers a wide range of medical services, including:<\/p><ul><li><strong>Doctor consultations:<\/strong> Visits to general practitioners or specialists are reimbursed.<\/li><li><strong>Hospital:<\/strong> Hospital care in the general division is covered.<\/li><li><strong>Medications:<\/strong> A list of reimbursable medications is established by the Federal Office of Public Health (FOPH).<\/li><li><strong>Preventive care:<\/strong> Vaccinations, screenings, and health assessments are also included.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9783\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9783\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Premiums and Deductibles<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9783\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9783\"><ul><li><strong>Premiums<\/strong><br \/>Insured individuals pay monthly premiums for their basic insurance. These vary depending on the insurance provider, place of residence, and the age of the insured.<\/li><li><strong>Deductibles<\/strong><br \/>Insured individuals must also pay a deductible, which is the amount they must cover before the insurance starts reimbursing. The deductible can be chosen by the insured, but a higher deductible may reduce the premium amount.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9784\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9784\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Supplementary Options<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9784\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9784\"><p>In addition to basic insurance, it is possible to take out supplementary insurance that offers additional benefits, such as:<\/p><ul><li style=\"list-style-type: none;\"><ul><li><strong>Dental care<\/strong><\/li><li><strong>Alternative medicine<\/strong><\/li><li><strong>Private room in the hospital<\/strong><\/li><\/ul><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9785\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-9785\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Change of Insurance Provider<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9785\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-9785\"><p>Insured individuals have the freedom to change their insurance provider each year. To do so, it is important to adhere to the cancellation deadlines, which are typically set for November 30 for a cancellation effective December 31.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h2 id=\"elementor-tab-title-9786\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-9786\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 137-111 248-248 248S8 393 8 256 119 8 256 8s248 111 248 248zM273 369.9l135.5-135.5c9.4-9.4 9.4-24.6 0-33.9l-17-17c-9.4-9.4-24.6-9.4-33.9 0L256 285.1 154.4 183.5c-9.4-9.4-24.6-9.4-33.9 0l-17 17c-9.4 9.4-9.4 24.6 0 33.9L239 369.9c9.4 9.4 24.6 9.4 34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-chevron-circle-up\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256C8 119 119 8 256 8s248 111 248 248-111 248-248 248S8 393 8 256zm231-113.9L103.5 277.6c-9.4 9.4-9.4 24.6 0 33.9l17 17c9.4 9.4 24.6 9.4 33.9 0L256 226.9l101.6 101.6c9.4 9.4 24.6 9.4 33.9 0l17-17c9.4-9.4 9.4-24.6 0-33.9L273 142.1c-9.4-9.4-24.6-9.4-34 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The Challenges of the LAMAL System<\/a>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\t<div id=\"elementor-tab-content-9786\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-9786\"><p>Despite its success, LAMAL faces several challenges, including:<\/p><ul><li><strong>Rising healthcare costs:<\/strong> Premiums continue to increase, which can make access to care more difficult for some.<\/li><li><strong>Inequalities in access:<\/strong> Although the system is based on solidarity, inequalities may exist depending on the region or socio-economic status.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d821540 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d821540\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d327341\" data-id=\"d327341\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-21947c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"21947c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4739fb6\" data-id=\"4739fb6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-091006d\" data-id=\"091006d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40938a1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"40938a1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Request your <\/br>personalized quote!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b87fb elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"92b87fb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fill out our online form to protect what matters <br>most to you with tailored coverage.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a50b32e elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"a50b32e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-be00e31 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"be00e31\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0f500e2\" data-id=\"0f500e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7217b78 elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"7217b78\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/novassurance.ch\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efeb26b elementor-widget elementor-widget-html\" data-id=\"efeb26b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"Service\",\r\n  \"name\": \"Assurance LAMal Suisse\",\r\n  \"serviceType\": \"Assurance maladie de base obligatoire (LAMal)\",\r\n  \"description\": \"Conseil et accompagnement pour la souscription et la gestion de l'assurance maladie de base obligatoire en Suisse (LAMal).\",\r\n  \"url\": \"https:\/\/novassurance.ch\/particuliers\/lamal\/\",\r\n  \"areaServed\": \"CH\",\r\n  \"category\": \"Assurance sant\u00e9\",\r\n  \"provider\": {\r\n    \"@type\": \"InsuranceAgency\",\r\n    \"name\": \"Novassurance\",\r\n    \"url\": \"https:\/\/novassurance.ch\",\r\n    \"logo\": \"https:\/\/novassurance.ch\/wp-content\/uploads\/logo.png\"\r\n  }\r\n}\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-96ffe5d\" data-id=\"96ffe5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dbff3c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"dbff3c7\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a2e2e1d\" data-id=\"a2e2e1d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>022 552 33 50 lAMAL Assurance LAMAL Suisse Assurance LAMAL Suisse guide essentiel La LAMAL, ou Loi f\u00e9d\u00e9rale sur l\u2019assurance-maladie, est le cadre l\u00e9gal qui r\u00e9git le syst\u00e8me d\u2019assurance maladie en Suisse. En vigueur depuis 1996, elle a pour objectif de garantir l&rsquo;acc\u00e8s \u00e0 des soins de sant\u00e9 de qualit\u00e9 pour tous les r\u00e9sidents suisses. [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Assurance LAMAL Suisse | Assurance maladie","_seopress_titles_desc":"Assurance LAMAL Suisse : comparez et choisissez la caisse maladie adapt\u00e9e \u00e0 vos besoins.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-30353","page","type-page","status-publish","hentry"],"acf":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Awa","author_link":"https:\/\/novassurance.ch\/en\/author\/awa\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"022 552 33 50 lAMAL Assurance LAMAL Suisse Assurance LAMAL Suisse guide essentiel La LAMAL, ou Loi f\u00e9d\u00e9rale sur l\u2019assurance-maladie, est le cadre l\u00e9gal qui r\u00e9git le syst\u00e8me d\u2019assurance maladie en Suisse. En vigueur depuis 1996, elle a pour objectif de garantir l&rsquo;acc\u00e8s \u00e0 des soins de sant\u00e9 de qualit\u00e9 pour tous les r\u00e9sidents suisses.&hellip;","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/30353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/comments?post=30353"}],"version-history":[{"count":64,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/30353\/revisions"}],"predecessor-version":[{"id":31942,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/pages\/30353\/revisions\/31942"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=30353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}