Understanding insurance and social security is essential for freelancers in Switzerland, where independence comes with added responsibility. From health insurance under the KVG/LAMal system to contributions to the AHV compensation fund, these elements form the foundation of your financial and personal protection. Knowing how and when to register, what coverage to choose, and how benefits work ensures that you stay secure while focusing on your business.

In addition to mandatory coverage, freelancers can benefit from exploring complementary insurance options and understanding how Swiss systems like unemployment benefits or the 13th salary apply to independent professionals. Building this knowledge helps you plan long-term, minimize risks, and maintain stability through every stage of your career.

Let’s begin with AHV Compensation Fund and Cheapest Health Insurance (KVG / LAMal), and explore more ways to strengthen your social and financial protection. 🩺