Change and cancel health insurance in Switzerland

Why should I change health insurance companies?

The main reason for changing health insurance companies is the annual premium increase. With the premium increase, there are large differences in premiums between health insurance companies for the same services. The 5 reasons for switching health insurance companies are as listed below:

• Better benefits: Switching health insurance companies makes sense if a health insurance company does not offer certain benefits or only offers them to a limited extent.
• Saving premiums: It is worth switching health insurance companies if you can save on premiums as a result.
• Moving: If you move to a different premium region, your premiums will change. It makes sense to change health insurers if premiums increase when you move.
• Dissatisfaction with the previous health insurance company: Dissatisfaction with the benefits or service of your health insurance company leads to a change of health insurance company.
• Changes in the family: Marriage or the birth of a child changes the family. It makes more sense to switch to a family-friendly health insurance fund.

When can I change and cancel my health insurance?

You can change your health insurance in Switzerland at the end of the year. To do so, you must find a new health insurance company and then cancel your current health insurance company in writing. The letter of termination must reach the health insurance company by 30 November.

How can I change my health insurance company?

You can change and cancel your health insurance in 4 steps and the 3 steps are as listed below:

1. Find a new health insurance company: Choose a new health insurance company according to your needs. Pay attention to the health insurance premiums, benefits and customer service.
2. Submit application form: Submit the completed application form to the new health insurance company.
3. Cancel your current health insurance: You can cancel your current health insurance after receiving the confirmation of acceptance. Make sure that the notice of termination is received by the deadline.

How can I terminate my health insurance?

You can cancel your health insurance in writing or by mail. Write a letter of termination for the previous health insurance company. You can bring the letter of termination to the nearest agency or send it by post as a registered letter. Contact the health insurance company if you want to cancel by mail. You can also send the letter of termination by mail.

Notice periods of the health insurance fund

The notice periods of the health insurance company are different for the basic insurance and the supplementary insurance. The notice periods are listed below:

• The notice period is 30 November for basic insurance.
• The notice period for supplementary insurance is until 30 September after expiry of the contract.

What are the advantages of changing health insurers?

The biggest advantage of changing health insurance is the saving on monthly premiums. The 4 advantages of changing health insurance are listed below:

• Saving on premiums: You can save money by switching health insurers. It is worth comparing different health insurance companies.
• Better benefits: Another health insurance company may offer better benefits for your needs and situation. Therefore, it is worth comparing health insurance companies.
• Better customer service: A different health insurance company may offer better customer service with an easier and more pleasant experience.
• Special offers: Some health insurance companies offer special deals on basic and supplementary insurance plans.

What are the obligations of the health insurance companies to accept a change of health insurance company?

Health insurance companies in Switzerland are legally obliged to accept you for basic insurance. The only legal requirement for health insurance companies is to have a residence in Switzerland. The health insurance companies are not obliged to accept you for supplementary insurance. You must fill out a health declaration for supplementary insurance. The health declaration may lead to a rejection if you cannot meet the requirements of the health insurers.

What should I bear in mind when changing health insurers?

A change of health insurance provider is subject to the notice periods. If notice periods are missed, the health insurance company will extend the policy by one year.