Health Insurance Change
Health Insurance Change means switching from one health insurance company to another without losing your previously acquired benefits. You must find a new health insurance company before changing health insurance. As soon as you receive confirmation of changing from the new health insurance company, you can send the cancellation letter to your previous health insurance company. The deadline for cancellation is 30 November for basic insurance and usually 30 September for supplementary insurance.
The biggest advantage of changing health insurers is the savings on monthly premiums. The increase in premiums is the main reason for switching health insurers. Dissatisfaction with the previous health insurance company and changes in the family can also lead insured persons to change health insurance companies.
Change health insurance company
The process of changing health insurance companies in Switzerland is an opportunity for insured persons to optimise their monthly costs and adjust their benefits. It is possible to change health insurance provider at the end of each year, whereby the notice period must be observed by 30 November at the latest. Interested parties should compare the premiums and benefits of different health insurance companies in order to find the most suitable option for their needs. After deciding on a new health insurance company, the existing contract must be cancelled in due time and the new contract concluded. Changing health insurers can secure financial relief and better conditions for the coming year.
Why should I change my health insurance company?
Changing health insurance company enables you to save on health insurance premiums. Health insurance premiums rise every year and the increase in premiums results in large price differences between health insurances for the same services.
The reasons for changing health insurer are listed below:
- Need for better services
- Desire to save on health insurance premiums
- Dissatisfaction with the previous health insurance company
- Changes in the family situation
Until when can I change my health insurance?
You can change health insurance until the end of the year. To change health insurance , the
How can I change my health insurance?
You can change your health insurance in 4 steps.
Compare health insurances and find a new health insurance.- Fill in the application form for the new health insurance.
- Submit the completed application form to the new health insurance.
- Cancel your previous health insurance after receiving confirmation of acceptance.
What are the advantages of changing health insurance companies?
The biggest advantage of changing health Insurance is the savings on monthly premiums. The 4 advantages of changing health insurance are listed below:
- Premium savings: you can save from
health insurance premiums if you switch to a cheaper health insurance company. - Better benefits: Another health insurance company can offer better benefits for your needs and situation.
- Better customer service: Another health insurance company can offer better customer service with an easier and more pleasant experience.
- Special offers: Some health insurance companies offer special offers for
health insurance models and supplementary insurance.
Disadvantages of changing health
In addition to the potential advantages, changing health insurance companies in Switzerland can also have some disadvantages.
The disadvantages of changing health insurance companies are listed below:
- Administrative effort: Changing health insurance can be bureaucratic and requires meeting specific deadlines and filling out various forms.
- Waiting times for special benefits: Some health insurance might have waiting periods for certain additional benefits before they can be used. This could be particularly relevant when changing to a health insurance with better benefit packages.
- Risk of gaps in cover: Gaps in cover could theoretically arise between the end of the old contract and the start of the new contract.
- Adjustment of premiums: There is a risk that the premiums with the new health insurance will increase more in subsequent years than with the old health insurance.
What are the obligations of health insurance companies when changing health insurer?
The health insurance companies are legally obliged to accept new members in the basic health insurance. The only legal requirement for health insurance companies is that you must be resident in Switzerland. The health insurance companies are not obliged to accept you for
What should I check before changing health insurance?
The change of health insurance company takes place within the cancellation periods. If the cancellation period is missed, the health insurance company will extend the policy by one year.
You must not have any outstanding bills with the health insurance company before changing health insurance. Unpaid bills prevent you from changing health insurance. If you are changing your supplementary insurance, you should wait for confirmation of enrolment.
What can you change in health insurance to save on premiums?
You can change the