{"id":32194,"date":"2025-09-01T15:55:09","date_gmt":"2025-09-01T13:55:09","guid":{"rendered":"https:\/\/novassurance.ch\/?p=32194"},"modified":"2026-09-01T12:17:13","modified_gmt":"2026-09-01T10:17:13","slug":"s-installer-en-suisse","status":"publish","type":"post","link":"https:\/\/novassurance.ch\/en\/s-installer-en-suisse\/","title":{"rendered":"S&rsquo;installer en Suisse : la checklist des assurances pour expatri\u00e9s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32194\" class=\"elementor elementor-32194\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-170b9c6d e-flex e-con-boxed e-con e-parent\" data-id=\"170b9c6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29b84be7 elementor-widget elementor-widget-text-editor\" data-id=\"29b84be7\" data-element_type=\"widget\" data-e-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 style=\"color: #5a6672; font-size: 0.9em; margin: 0 0 6px;\">Derni\u00e8re mise \u00e0 jour : septembre 2026<\/p>\nVous venez de vous installer en Suisse, ou vous \u00eates sur le point de le faire ? Entre les d\u00e9marches administratives, le logement et le travail, les assurances passent souvent au second plan \u2014 alors que certaines sont <strong>obligatoires<\/strong> et soumises \u00e0 des d\u00e9lais stricts. Voici la checklist compl\u00e8te pour d\u00e9marrer sereinement, sans oubli ni mauvaise surprise.\n<div style=\"background: #F7F3EA; border-left: 4px solid #C6A15C; padding: 18px 22px; margin: 24px 0; border-radius: 0 6px 6px 0;\">\n<p style=\"margin: 0 0 10px; font-size: 1.05em;\"><strong>L&rsquo;essentiel \u00e0 retenir<\/strong><\/p>\n\n<ul style=\"margin: 0; padding-left: 20px; line-height: 1.7;\">\n \t<li>L&rsquo;<strong>assurance maladie de base (LAMal) est obligatoire<\/strong> et doit \u00eatre souscrite dans les <strong>3 mois<\/strong> suivant l&rsquo;arriv\u00e9e (r\u00e9troactive \u00e0 la date d&rsquo;arriv\u00e9e).<\/li>\n \t<li>L&rsquo;<strong>assurance accidents<\/strong> est prise en charge par l&#8217;employeur d\u00e8s 8 heures de travail par semaine.<\/li>\n \t<li>La <strong>RC priv\u00e9e<\/strong> et l&rsquo;<strong>assurance m\u00e9nage<\/strong> sont fortement recommand\u00e9es ; la <strong>RC auto<\/strong> est obligatoire pour immatriculer un v\u00e9hicule.<\/li>\n \t<li>La <strong>pr\u00e9voyance<\/strong> (2e et 3e piliers) et les <strong>compl\u00e9mentaires sant\u00e9<\/strong> se r\u00e9fl\u00e9chissent d\u00e8s l&rsquo;installation.<\/li>\n<\/ul>\n<\/div>\n<h2>L&rsquo;assurance maladie de base (LAMal) : obligatoire sous 3 mois<\/h2>\n<strong>Toute personne qui s&rsquo;installe en Suisse doit souscrire une assurance maladie de base (LAMal) dans les 3 mois suivant son arriv\u00e9e.<\/strong> La couverture est alors r\u00e9troactive \u00e0 la date d&rsquo;arriv\u00e9e : ne tardez pas, car les primes des mois \u00e9coul\u00e9s restent dues. Les prestations de base sont identiques chez tous les assureurs \u2014 seule la <a href=\"https:\/\/novassurance.ch\/assurance-lamal-suisse\/\">prime LAMal<\/a> varie.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> LAMal obligatoire, \u00e0 souscrire sous 3 mois, avec effet r\u00e9troactif \u00e0 l&rsquo;arriv\u00e9e.<\/p>\n\n<h2>L&rsquo;assurance accidents : couverte par l&#8217;employeur (le plus souvent)<\/h2>\n<strong>Si vous \u00eates salari\u00e9 et travaillez au moins 8 heures par semaine chez le m\u00eame employeur, vous \u00eates couvert contre les accidents (professionnels et non professionnels) par votre entreprise.<\/strong> En dessous de ce seuil, ou si vous \u00eates sans activit\u00e9, vous devez inclure la couverture accidents dans votre assurance maladie de base.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> accidents couverts par l&#8217;employeur d\u00e8s 8 h\/semaine ; sinon, \u00e0 ajouter \u00e0 la LAMal.<\/p>\n\n<h2>La responsabilit\u00e9 civile priv\u00e9e : fortement recommand\u00e9e<\/h2>\n<strong>L&rsquo;assurance responsabilit\u00e9 civile (RC) priv\u00e9e couvre les dommages que vous causez involontairement \u00e0 autrui.<\/strong> Elle n&rsquo;est pas obligatoire par la loi, mais elle est souvent exig\u00e9e par les r\u00e9gies immobili\u00e8res \u00e0 la signature d&rsquo;un bail \u2014 et vivement conseill\u00e9e pour tous. Elle se combine g\u00e9n\u00e9ralement avec l&rsquo;assurance m\u00e9nage.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> non obligatoire, mais souvent exig\u00e9e par les r\u00e9gies et vivement conseill\u00e9e.<\/p>\n\n<h2>L&rsquo;assurance m\u00e9nage : pour prot\u00e9ger vos biens<\/h2>\n<strong>L&rsquo;assurance m\u00e9nage prot\u00e8ge vos biens personnels (mobilier, appareils, effets) contre l&rsquo;incendie, le vol, les d\u00e9g\u00e2ts d&rsquo;eau et les catastrophes naturelles.<\/strong> Facultative mais tr\u00e8s recommand\u00e9e, elle est souvent propos\u00e9e avec la <a href=\"https:\/\/novassurance.ch\/assurance-rc-et-menage-suisse\/\">RC priv\u00e9e<\/a> dans un contrat combin\u00e9 avantageux.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> facultative mais recommand\u00e9e, souvent coupl\u00e9e \u00e0 la RC priv\u00e9e.<\/p>\n\n<h2>L&rsquo;assurance auto : obligatoire si vous conduisez<\/h2>\n<strong>La responsabilit\u00e9 civile automobile est obligatoire pour immatriculer et conduire un v\u00e9hicule en Suisse.<\/strong> Selon la valeur et l&rsquo;\u00e2ge du v\u00e9hicule, une couverture casco (partielle ou compl\u00e8te) peut \u00eatre judicieuse. Pensez-y avant d&rsquo;importer ou d&rsquo;acheter une voiture.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> RC <a href=\"https:\/\/novassurance.ch\/assurance-vehicule-suisse\/\">auto<\/a> obligatoire pour immatriculer ; casco selon la valeur du v\u00e9hicule.<\/p>\n\n<h2>La pr\u00e9voyance (2e et 3e piliers) : \u00e0 anticiper<\/h2>\n<strong>D\u00e8s que vous \u00eates salari\u00e9 en Suisse, vous cotisez au 2e pilier (LPP) via votre employeur ; le 3e pilier, lui, est facultatif mais fiscalement tr\u00e8s avantageux.<\/strong> Ouvrir un <a href=\"https:\/\/novassurance.ch\/assurance-3e-pilier-suisse\/\">3e pilier (3a)<\/a> d\u00e8s votre installation vous permet de r\u00e9duire vos imp\u00f4ts et de construire votre pr\u00e9voyance. C&rsquo;est un r\u00e9flexe que beaucoup d&rsquo;expatri\u00e9s d\u00e9couvrent trop tard.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> LPP automatique d\u00e8s l&#8217;emploi ; le 3e pilier 3a r\u00e9duit vos imp\u00f4ts \u2014 \u00e0 ouvrir t\u00f4t.<\/p>\n\n<h2>Les compl\u00e9mentaires sant\u00e9 : selon vos besoins<\/h2>\n<strong>Les assurances compl\u00e9mentaires (LCA) couvrent ce que la LAMal ne prend pas en charge : soins dentaires, hospitalisation en division priv\u00e9e, m\u00e9decines alternatives, ou couverture \u00e0 l&rsquo;\u00e9tranger.<\/strong> Elles sont facultatives et soumises \u00e0 un questionnaire de sant\u00e9 \u2014 il est donc conseill\u00e9 d&rsquo;y souscrire t\u00f4t, tant que votre dossier est vierge.\n<p style=\"background: #F5F3EE; border-left: 3px solid #C6A15C; padding: 10px 16px; margin: 16px 0; font-style: italic;\"><strong>En bref :<\/strong> les <a href=\"https:\/\/novassurance.ch\/assurance-complementaire-sante-suisse\/\">compl\u00e9mentaires<\/a> sont facultatives ; mieux vaut y souscrire t\u00f4t (questionnaire de sant\u00e9).<\/p>\n\n<h2>Questions fr\u00e9quentes des expatri\u00e9s qui s&rsquo;installent en Suisse<\/h2>\n<h3>Quand dois-je souscrire une assurance maladie en arrivant en Suisse ?<\/h3>\n<strong>Dans les 3 mois suivant votre arriv\u00e9e.<\/strong> Pass\u00e9 ce d\u00e9lai, l&rsquo;affiliation reste due r\u00e9troactivement \u00e0 la date d&rsquo;arriv\u00e9e, avec les primes correspondantes. Mieux vaut donc s&rsquo;en occuper d\u00e8s les premi\u00e8res semaines.\n<h3>Puis-je garder l&rsquo;assurance sant\u00e9 de mon pays d&rsquo;origine ?<\/h3>\n<strong>Non pour l&rsquo;assurance de base : la LAMal suisse est obligatoire pour toute personne domicili\u00e9e en Suisse.<\/strong> Vous pouvez en revanche conserver une couverture internationale en compl\u00e9ment, via une assurance compl\u00e9mentaire adapt\u00e9e.\n<h3>Je suis frontalier : LAMal ou CMU fran\u00e7aise ?<\/h3>\n<strong>Les frontaliers disposent d&rsquo;un droit d&rsquo;option entre l&rsquo;assurance suisse (LAMal) et le syst\u00e8me fran\u00e7ais (CMU).<\/strong> Le choix d\u00e9pend de votre situation familiale et de vos revenus, et il est en principe d\u00e9finitif \u2014 un arbitrage \u00e0 faire avec soin. Nos conseillers vous aident \u00e0 comparer les deux options.\n<div style=\"background: #1E1E1E; padding: 26px 24px; border-radius: 6px; text-align: center; margin: 28px 0;\">\n<p style=\"color: #f5f3ee; font-size: 1.08em; line-height: 1.6; margin: 0 0 18px;\">Vous vous installez en Suisse et voulez \u00eatre bien couvert d\u00e8s le d\u00e9part, sans payer pour ce qui ne vous sert pas ? Les courtiers de NovAssurance font le point avec vous et montent votre dossier \u00e9tape par \u00e9tape.<\/p>\n<a style=\"display: inline-block; background: #C6A15C; color: #1e1e1e; font-weight: bold; text-decoration: none; padding: 13px 32px; border-radius: 4px;\" href=\"https:\/\/novassurance.ch\/contact\/\">Faire le point avec un conseiller \u2014 gratuit et sans engagement<\/a>\n\n<\/div>\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-cc863ac elementor-widget elementor-widget-html\" data-id=\"cc863ac\" data-element_type=\"widget\" data-e-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\": \"BlogPosting\",\r\n  \"headline\": \"S'installer En Suisse: checklist des assurances obligatoires\",\r\n  \"description\": \"S'installer En Suisse : assurances obligatoires et recommand\u00e9es pour expatri\u00e9s. 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href=\"https:\/\/novassurance.ch\/en\/category\/expatries-frontaliers\/\" rel=\"category tag\">Expatri\u00e9s &amp; frontaliers<\/a>","rttpg_excerpt":"Derni\u00e8re mise \u00e0 jour : septembre 2026 Vous venez de vous installer en Suisse, ou vous \u00eates sur le point de le faire ? Entre les d\u00e9marches administratives, le logement et le travail, les assurances passent souvent au second plan \u2014 alors que certaines sont obligatoires et soumises \u00e0 des d\u00e9lais stricts. Voici la checklist&hellip;","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/32194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"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=32194"}],"version-history":[{"count":108,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/32194\/revisions"}],"predecessor-version":[{"id":32599,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/32194\/revisions\/32599"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media\/32205"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=32194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/categories?post=32194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/tags?post=32194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}