Holders of qualification positions, auxiliary assistants as well as assistant and senior physicians are usually insured with the Pension Foundation Association of Swiss Assistant and Senior Physicians Verband Schweizerischer Assistenz- und Oberärztinnen und -ärzte (VSAO) (see PVO-UZH, §70, para. 2).
Enrollment in the pension funds depends on the duration of employment as well as the eligible annual salary and generally begins at the start of the employment relationship.
The pension funds insure the employed persons against the economic consequences of retirement, disability and death. In the event of retirement from the pension fund before such an event occurs, a vested benefit is paid.
In Switzerland, health insurance is mandatory if you stay in the country for more than 3 months. This means that you are obliged to take out health insurance within 3 months of entering the country.
If you have an insurance from an EU/EFTA country, you must be exempted from the insurance obligation. This must also be done within these 3 months.
If you do not meet this deadline, you will be compulsorily insured by the competent authority.
In Switzerland, you are free to choose your insurance company. The compulsory basic insurance covers medical treatment in case of illness or accident and includes the same benefits with all insurers. Premiums vary greatly, however, so it is worth comparing providers and models.