How do I change my health insurance?

You can find the most important tips for changing basic insurance at neotralo.ch

If you not only want to take care of the premium savings options, but also want to look for a cheaper health insurance fund, you can do this every year in the basic insurance: the scope of benefits is the same everywhere, the health insurance funds have to accept every person without reservation and without a waiting period. No matter if she is old, pregnant or sick.

Such a change can be worthwhile: in a number of cases, individuals can easily save CHF 1,000 a year by changing their basic insurance.

Change in premium increase during the year: It may happen that the health insurance company increases the premium during the calendar year. This also results in a right of termination. No matter which model you are insured with!

The date of receipt applies: The date of receipt applies to all cancellations by the health insurance company. The notice of termination must therefore have reached the health insurance company on the last working day before the start of the notice period.

So it is not the postmark with the date of sending that counts, but the timely arrival at the health insurance company.

Tip: Send registered cancellations and in good time. Keep in mind that the last day of the month can fall on a Sunday or public holiday on which the health insurance company does not collect any mail. (In the case of voluntary supplementary insurance, compliance with the time limit depends on the wording of the relevant regulations of the health insurance company.)

Insured without confirmation: If you are in writing and awritten at a cash register, you are insured even without confirmation.

A message from the cash register is required: The insurance relationship with the old health insurance company is only officially terminated when the new health insurance company informs the previous one that the new customer is ver without interruption of the insurance coverageis secured. So say the law.

The new health insurance company must therefore report to your previous one that you are now insured with it. The new till sends this Meltoo late, the change will take place on February 1st.

No change in the case of premium outstanding: A change of fund is only possible if you do not owe the previous fund on December 31, no premiums or cost sharing, and also no default interest and debt collection costs.

Here's how to do it:

1. Find out which health insurance company offers compulsory basic insurance at your place of residence.

2. Cancel the basic insurance registered at your current health insurance fund. The notice of cancellation must be received by the cash register no later than November 30 or the last working day in November.

3. Register in writing and registered with the health insurance of your choice for the next year (sample letter download).

Tip: If you cancel the basic insurance with your health insurance company, but want to keep the additional insurance, make sure that you only cancel the basic insurance in your registered letter and not the entire policy!

If you do so, the new health insurance fund must not refuse you entry into the basic insurance. Even if you have never previously requested or received an offer.

Are the same conditions valid for changing supplementary insurance?

Experience has shown that different periods and rules apply to a change or cancellation of supplementary insurance than to basic insurance. With these policies, policyholders usually have to give three months' notice.

Some insurance providers even stipulate a period of up to six months. As with basic insurance, policyholders should submit the change request in writing by registered mail.

But be careful: In contrast to basic insurance, supplementary insurance is entitled to reject applicants. However, for whatever reason, you may not be denied this change.

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How do I change my health insurance?

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Are the same conditions valid for changing supplementary insurance?

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