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Change Health Insurance

Before you change your health insurance company, you should compare the premiums of different health insurance companies. This way you will find a favorable insurer that fits your needs. It is advisable to check whether an alternative model is suitable for you when comparing insurance companies. Set a so-called annual deductible (in a certain amount), then you can also save.

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Switzerland Basic Health Insurance and Cost

It is mandatory for all residents in Switzerland to take out compulsory health insurance. The basic health insurance benefits are similar for all health insurance funds in the market. But the monthly premiums vary depending on a lot of factors such as residence area, annually adjusted premiums, etc.

Basic Insurance is enough to cover around 80% of the insured’s medical costs, but does not include dental care, private healthcare provision, and out-patient medical services. This requires additional or supplementary insurance which varies from provider to provider.

What We Do

Would you like to change your health insurance?

Then you can find out below how to do this simply and easily. Is your insurer increasing the monthly premium for your health insurance? Then, like many other insured persons, you should carry out a comparison of different health insurance companies. Switching to a cheaper health insurance company can be worthwhile and lead to savings of several hundred or even thousand Swiss francs annually. However, it is essential to note that different conditions apply to switching between supplementary insurance and basic insurance.

With a few clicks to the optimal offer

Basic health insurance
Basic health insurance
It is best to take half an hour. Write down your specific needs and expectations on the PC or on a piece of paper.
Standard Basic Health Insurance
Standard Basic Health Insurance
Fill out the form completely. Do not forget the following important points: the amount of the deductible, the insurance model and, if required, an accident coverage
HMO - Health Maintenance Organization
HMO - Health Maintenance Organization
Now do the actual premium comparison. Compare the offers of the different providers. Also take a look at the corresponding benefits
Basic health insurance
Basic health insurance
Basic health insurance is mandatory for everyone in Switzerland. Even among different providers, the benefits are common to all as decided by KAV, the Federal Office of Public Health. Any health insurance fund you apply to will have to compulsorily accept you as policyholder and provide the same level of services to all holders.
Supplementary insurance
Supplementary insurance
Though basic health insurance is adequate for a majority of medical care costs, it does not cover dental care, private facilities, and even several out-patient care. For these, you will have to avail supplementary health insurance that are quite critical during emergencies. Depending on your age, residence, and risk involved, the premiums can vary quite significantly.
Prenatal registration
Prenatal registration
You can register for your baby before it is born so the baby will be insured at birth, and can be admitted into private health insurance in case there are any birth defects or illnesses. Supplementary insurance can be denied in such cases but with prenatal registration, will be automatically approved, without the mandatory health check. Usually, prenatal registration comes with great discounts and can reduce the health insurance premiums for a family package.
FAQs

Changing health insurers easier than ever before

Many policyholders no longer simply accept increases in their health insurance premiums without taking action but act instead. Every policyholder can change their health insurance company and thus avoid the premium increase. To ensure that a change of basic insurance and supplementary insurance goes smoothly, knowing the conditions is crucial. At Krankenkassevergleich.ch, you can find out how to proceed and what you should pay attention to.

Procedure for changing health insurance companies

As an insured person, you must be informed of the upcoming contributions by your health insurance company by October 31. Your health insurance company must always send you the contribution notice in writing. As soon as you have received the letter, you have the opportunity to think about changing your basic insurance. You can change until December 31. A comparison of the individual health insurance companies can be worthwhile and provides an overview. It is often valuable to set a higher annual deductible to save much money

Changing your health insurance: Deadlines for basic insurance with a regular deductible rate

Once you have chosen a regular deductible rate for your basic insurance, different notice periods apply. You have additional deadlines to cancel your basic insurance if you have a 300 franc deductible. For your cancellation to be effective June 30, you must give three months’ notice. Send your notice in time so that your health insurance company receives it by March 31. Your health insurance company will not accept late receipt.

Change of health insurance: The supplementary insurance and the notice periods

You can cancel both your basic insurance and your supplementary insurance individually. This means, for example, that you can only cancel your basic insurance without losing your supplementary insurance. You can keep this independent of your basic insurance. The same scheme applies in the opposite direction. There are no rigid requirements regarding termination periods. Accordingly, each insurance company can contractually stipulate its cancellation periods individually in connection with the supplementary insurance. In case of any ambiguity, you will find all details regarding the termination of your supplementary insurance in the contract documents. Other deadlines apply in the event of a premium increase. As soon as your health insurance company increases the premiums for your supplementary insurance, you have a one-month notice period

Compare Health Insurance Today

The it’s time to compare the health insurance premiums.