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These are the 3 possible health insurance models for you in Switzerland

These are the 3 possible health insurance models for you in Switzerland.

The different health insurance companies in Switzerland insure you in 3 different models. 

You can choose which health insurance model you want to be insured under. The family doctor model, the HMO model and the Telmed model wait for different advantages.

Before you decide on a model, you should find out which one fits your own needs perfectly.

Here we present the 3 variants of the models that are supported by the health insurance companies in Switzerland.

The family doctor model:

As the name suggests, the family doctor model is based on cooperation with family doctors in your respective canton. There you can select a family doctor and undertake to consult this doctor first in the event of illness, in the medical case and also for upcoming examinations.

Your family doctor will then refer you to the required specialists such as an oncologist, a surgeon, a hematologist or a neurologist. If there is a medical emergency and your family doctor is not located nearby, you have the right to see a general practitioner who can help you immediately.

However, according to the rules, preventive examinations such as those at the ophthalmologist and gynecologist are excluded. Here you are completely free to choose and you have the opportunity to consult another doctor you trust.

The Telmed model:

This model offers some advantages especially for families. If you have health problems, you can contact a designated advice center at any time of the day or night. You will receive expert advice from medical professionals at all times and you can be helped immediately.

If necessary, refer the advisor to a suitable doctor. The Telmed model saves a lot of premiums on small matters and also the way to the doctor. Of course, it does not provide a replacement for a necessary visit to a specialist and is only a good addition to medical care.

In general, you must first contact your counseling center so that the participating health insurance company pays all costs. In an emergency, of course, the rules of this model do not apply. Here, minutes can be vital and you must immediately consult a specialist.

Preventive examinations by an ophthalmologist and gynecologist are also excluded in the Telmed model.

The HMO model: 

This model works with the created health centers. You always commit to go to the center preferred by your health insurance company.

General practitioners, physiotherapists, nutritionists and isolated gynecologists are united in one medical center. As with the family doctor model, you also have to contact the general practice of various specialists and will be treated by the participating doctors.

The health insurance then pays for all applications and your medical care.

The relevant health insurance companies in Switzerland will provide you with all information on the individual models. Depending on where you live, there are numerous cash registers that can create various offers for you on request.

Special models: a brief overview

In addition to these widespread savings models, individual health insurance companies offer various other options.

One example is the so-called pharmacy model, in which a pharmacy takes on the gatekeeper function of the family doctor (see family doctor model). This model provides, for example, that customers of health insurance companies only need to purchase medicines from certain pharmacies and that they have to make payments using prescribed methods.

On the other hand, those who opt for the bonus model do not take advantage of basic insurance and will pay less premiums for it next year.

In addition, some health insurance companies offer discounts on supplementary insurance. Policyholders are also free to combine several models. This option exists among other things for Telmed and family doctor models.

Conclusion

Depending on your needs, choose one of these models and find the right health insurance for you.

Read here 10 tips on how to change your health insurance in Switzerland.Read 10 tips on how to change your health insurance here Change health insurance in Switzerland.

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What you need to consider as an immigrant in Switzerland

What you have to consider as an immigrant in Switzerland!

The insurance law for immigrants from Germany differs from that of cross-border commuters in Switzerland.

For many Germans, Switzerland is still an attractive country for emigrants. In a country other than your home country, you should insure your health as good as possible so that you can work and live there without worry.

Switzerland offers its new residents complete protection of basic insurance and options for the necessary supplementary insurance. After a stay of 3 months at the latest, these provisions become mandatory.

Insurance is also compulsory for all relatives, with no additional franchise for children and adolescents. You will find the important news below.

The insurance law for immigrants from Germany differs from that of cross-border commuters in Switzerland.

The requirements for cross-border commuters differ significantly from the regulations for German immigrants. Despite the federal insurance system, cross-border commuters with an employment relationship in Switzerland can also choose another insurance option.

If you do not live in Switzerland, Germans can remain insured in Germany and must notify the competent authorities in Switzerland in good time. As a long-term immigrant, you have to register in the compulsory insurance in Switzerland and receive the full basic care, like every Swiss.

Unlike in Germany, in Switzerland you bear all the percentage costs for basic insurance. The employer is exempt from an additional payment. Some supplementary insurance policies from Germany also insure your clients internationally in other European countries.

When choosing the important supplementary insurance in Switzerland, you should inform yourself about all options and also make a well-founded comparison of the benefits and premiums of the health insurance companies in Switzerland.

Also note some special features as an emigrant to Switzerland!

If you are not yet sure whether you will actually stay in Switzerland forever, you can, in consultation with the health authorities of both countries, ensure that German health insurance only rests during your stay in Switzerland.

This makes it easier for you to be re-admitted to a German health insurance company if you return to your home country. The timely conclusion of supplementary insurance is also very important if you are planning treatments in the near future.

This way you avoid high, surprising costs. Dental treatment in particular is not covered by basic insurance in Switzerland. That is why a suitable dental insurance is worthwhile.

Tips

Check and compare the benefits and amounts of the health insurance companies in Germany and Switzerland in good time to find out where you want to conclude the contracts.

Your insurance coverage expires as soon as you leave Germany. To ensure a smooth transition, you must register with the Swiss health insurance company in good time.

There are many differences in Switzerland's healthcare system. For example, you can choose from three different doctor models and the supplementary insurance covers many benefits that are already covered by health insurance in Germany.

With your own contribution, which you have to pay in full in Switzerland, one makes comprehensive health insurance comparison absolutely sense.

You also have to be able to afford the monthly payments. Otherwise there is also the possibility of a premium reduction as financial support in case of doubt.

A reliable health insurance company will always help you and give you comprehensive advice.

Find the best providers: how it works!

Benefits to be provided by the basic insurance are precisely specified in the federal law on health insurance, the KVG. Nevertheless, the premiums at individual health insurance companies differ significantly. 

Immigrants are therefore well advised to obtain offers from several health insurance companies and to compare these offers in detail.  

In Switzerland, health insurance companies are obliged to accept all providers for basic insurance. 

In any case, use a comprehensive one as a decision aid health insurance comparison! 

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Here you can find out everything about supplementary insurance in Switzerland

Here you can find out everything about supplementary insurance in Switzerland.

In addition to medical care in the compulsory basic insurance in Switzerland, there are additional insurance policies that are useful for you.

In case you travel a lot, for example, a new one every year sehhilfe need or that Hospital of your choice want to choose nationwide in Switzerland or choose one dentures your compulsory health insurance does not cover these costs.

A suitable additional insurance is worthwhile for them here. The majority of Swiss take supplementary insurance. The benefits and contributions differ from fund to fund in contrast to basic insurance.

Here you can find out the most important things about supplementary insurance in Switzerland.

In general, supplementary insurance in Switzerland is divided into two categories:

Outpatient supplementary insurance:

According to your personal wishes and ideas, these insurances take over costs for example over-the-counter medications, Treatments in the Alternative medicine for doctors without training, nursing, sporty medical programs, cures (Bathing and relaxation cures), ambulance services(For laying) and necessary Rescue or rescue costs in the event of an accident.

It is also important to mention the cost coverage of dental treatments, dentures and tooth position corrections, which can quickly be very expensive for you. A corresponding dental supplementary insurance protects you efficiently from financial ruin.

Also medical treatment abroad can be covered by a suitable additional insurance. Make sure that the health insurers often pay a maximum allowable amount. If circumstances allow, find out in advance about the price of the treatment abroad.

Supplementary hospital:

Usually, the cost of a hospital stay in Switzerland is only covered in the respective canton by residing from the basic insurance. Likewise, only the general department is paid.

If you have one twin room and want to be treated in a hospital outside your canton, the supplementary insurance applies: semi-private department all of Switzerland.

With an additional insurance one for private department throughout Switzerland, you will be paid for a single room. At the same time, there is usually one in the public hospitals chief doctor responsible for your treatment.

The so-called Flex model offers him a lucrative alternative to the somewhat expensive supplementary insurance mentioned above. Here you can determine which department you would like to be treated in just before the hospital stay.

Depending on the severity of the procedure and length of stay, you decide whether to be a chief doctor and a single room are necessary or not. In the general department there is usually no deductible in the semi-private- and in the private ward you have to share in the additional costs.

Finding the right supplementary insurance: insured persons have to be careful

In principle, insurance companies are free to decide on the scope of services. Therefore, the cover also varies from provider to provider. For this reason, insured persons are also obliged to answer a health questionnaire before being accepted into the insurance company. 

In general, potential policyholders are well advised to carefully review the conditions associated with the policy before taking out supplementary insurance. Prospective policyholders who want to have children should observe the following conditions: 

    • Compliance with waiting periods: Policyholders may only request benefits from the insurance company after a certain waiting period
    • Maternity leave is 270 to 365 days
    • after this time the supplementary insurance covers all costs related to birth and pregnancy 

Conclusion

Supplementary insurance in Switzerland is part of the health care system in Switzerland and is generally important to protect you from high costs.

Basic insurance is generally available for basic care. Smaller and always necessary expenses are taken over according to corresponding bonus and service packages and should be adjusted to your personal needs.

Supplementary insurance companies have the freedom to refuse insurance if the health risk seems too high to you.

 

Tip: Therefore, always be honest and have all the information given to you.

On comprehensive health insurance comparison will help you in any case.

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Everything about the premium reduction of health insurance companies in Switzerland

Find out everything about the premium reduction of health insurance companies in Switzerland from us.

The right to a premium reduction in Switzerland is clearly regulated.

The health insurance companies raise their premiums regardless of your income and wealth. The premiums can quickly grow over your head and lead to a financial imbalance. 

If you are not one of the high earners in Switzerland, life quickly becomes expensive and there are citizens who cannot afford the full premium of your health insurance. That is why you receive financial support in the relevant case - the so-called premium reduction.

The right to a premium reduction in Switzerland is clearly regulated.

As an insured / insured person in modest economic circumstances, you also have the right to a premium reduction in Switzerland. 

With a legislative decision that came into force in 2014, it was decided that your canton would have to transfer the premium reduction directly to your health insurance if necessary. 

If you receive a small pension from Switzerland in an EU country, your entitlement will be decided in a regulation of the Swiss Federal Council. 

If you receive unemployment insurance support in Switzerland, your canton will regulate all conditions and the appropriate payment modalities. 

Of course, the responsible positions are always based on your personal financial circumstances. There is a separate income table for this in each canton, in which the premium reduction is listed.

The premium reduction varies depending on the canton.

Just as individual as the amount of the premium reduction of the cantons is the amount of the premium reduction within the tax threshold. The amount also depends on the age of the insured. 

Even at the age of 18 and living with the parents, the separate tax factors are used to calculate the premium discount. Babies and newborn babies are entitled to a reduced premium from their parents when they are born.

How to get the premium reduction for your canton

The municipal tax offices use the tax assessment to determine who is entitled to the premium reduction and then report this to the cantons' health insurers. 

A suitable application form will then normally be sent to those affected. You just have to fill it out and send it back. 

An application by self-initiative is only necessary in individual cases. Of course, the parents of children have to do this for their offspring. 

The premium reduction can range from a few hundred francs to several thousand francs a year, depending on the case. The amount will be transferred directly to your health insurance company, who will then adjust the premium accordingly.

What happens when your financial situation improves?

If your economic situation improves, you don't have to pay back too much. After all, an individual premium reduction is not comparable to receiving social assistance. In some cantons, partial reimbursement of social security benefits is required if you receive a larger fortune through events such as inheritances. 

However, this rule does not apply to premium reductions. The only exception is if you received the payments wrongly or if the calculation is incorrect. 

You must adhere to the deadlines for applications for a premium reduction in the cantons that do not automatically check the entitlement to the premium reduction. 

Anyone who misses this deadline can no longer submit an application for the years in question or retrospectively for the whole year. 

A little hint:

Use one professional health insurance comparisonto optimize your premiums. Some health insurance companies offer special insurance models such as the HMO, family doctor and telemed model, where you are guaranteed to save on insurance premiums.

Your health insurance is responsible for the necessary basic care and has an important place in your life. If you are unable to raise the premiums yourself, you are entitled to help. 

Use this and get advice from the health insurance of your choice. A good health insurance company is there for you even in difficult times. 

With an informed health insurance comparison find out which one is right for you personally.

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What you should know about health insurance in Switzerland.

What you should fundamentally know about Swiss health insurance

Compulsory health insurance (also known as Swiss basic insurance) ensures basic medical care for all Swiss citizens.

Life in Switzerland is becoming increasingly interesting for many Germans and citizens of other countries. The economy is booming and social life offers many pleasant benefits. 

The country's attractiveness also includes the reliable and well-proven healthcare system, which is available to all Swiss and immigrants from abroad. 

The health insurances in the basic insurance Switzerland work according to an open competition principle and are nevertheless checked regularly. If you insure yourself accordingly, you are guaranteed to sleep more carefree, because your health is well protected. Here we will briefly show you all the important features of Swiss health insurance.

Basic insurance Switzerland means: Compulsory health insurance is compulsory for every resident of Switzerland.

In the event of illness, during maternity and after an accident, the corresponding health insurance company must pay for all benefits. It is legally obliged to do this in Switzerland. 

At the same time, every health insurance company to which you apply for basic health insurance must approve it without restriction and prior health test.

On average, you pay 14.6 percent for the basic amount in Switzerland. The additional contributions from the statutory health insurers in Switzerland vary between 0.3 and 1.8 percent.

In addition to basic insurance in Switzerland, there is also supplementary insurance

These supplementary insurances cover benefits in Switzerland and abroad that are not covered by the basic Swiss insurance. The health insurance companies in Switzerland offer you numerous and different offers with different benefits and contributions.

The supplementary insurance is divided into the following categories.

The outpatient supplementary insurance:

These cover the costs of outpatient treatment by the doctor, medication and preventive medical check-ups, for example during maternity.

Supplementary hospital insurance:

These insurance policies cover the costs of inpatient stays in clinics and hospitals during treatment.

Dental Insurance:

This insurance is equally worthwhile for children and adults, because the cost of visiting the dentist can quickly become very high.

Special supplementary insurance:

For example, there are insurance policies for nursing care, deaths and disability.

Grenzgänger insurance:

If you are Swiss living abroad and still do not want to do without the compulsory basic insurance in Switzerland, you have the option of continuing to have health insurance in Switzerland within the ETFA countries.

Supplementary insurance for babies and newborns:

There are interesting options here to provide your offspring with perfect care right from the start and to insure them well.

It is also important to note the deductible, the deductible and the three different doctor models in Switzerland.

In Switzerland, you have to pay an own contribution for certain services in the hospital, at the specialist or for some medication. This share of the costs consists of the so-called franchise and a deductible of ten percent.

The deductible is paid once a year and, depending on the amount specified, you decide how much you want to pay yourself, for example in the event of illness. About the so-called HMO, family doctor? and Telmed model, the responsibilities and costs of treatment are regulated in a medical sense.

Conclusion: There is a lot to consider and consider before deciding on suitable health insurance in Switzerland.

Basic service in Switzerland: A brief overview

There are around 90 health insurers throughout Switzerland, but not all of them are at home in all cantons. Some of the largest providers of basic services in Switzerland are listed as follows: 

 

  • CSS (from Lucerne)
  • Helsana (from Dübendorf)
  • Swica (from Winterthur)
  • Concordia (from Lucerne)
  • Visana (from Bern)

Every year, the Federal Office of Public Health publishes a list of health insurance companies that are particularly satisfied with their clientele. Institutions such as Aqualina Versicherung, Agrisano, Swica and Helsana rank in the top places. 

The services offered by these providers for basic insurance in Switzerland do not differ from one another. But the amount of the bonus varies significantly. In addition, it is everyone Health insurance Switzerland free to offer additional interesting options. 

Therefore, use all the factual sources of information available to you and take an independent and professional search health insurance comparison claim!

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What you, as a Swiss resident abroad, need to know about your health insurance.

What you, as a Swiss resident abroad, need to know about your health insurance.

If you choose to reside outside of Switzerland, but within the European Union, you still have the obligation and possibility to remain insured with the health insurance companies in Switzerland.

As a Swiss citizen, do you want to live abroad and permanently move to another country? Of course, one of your first thoughts of insurance coverage for illnesses and appropriate treatments abroad then applies, because nothing is more important than reliable health insurance if you no longer live in Switzerland. 

Before planning your emigration, you should therefore make provisions in good time and inform yourself in detail about all the circumstances. In this blog we will clarify which health insurance regulations apply to you as a Swiss resident abroad.

Outside the EFTA countries, you are not covered by compulsory health insurance.

If you decide to leave the EU entirely, you will leave the insurance catchment area of Switzerland and the EFTA countries. Outside of this area, you generally have to look for an alternative and, if necessary, look for a health insurance policy that ideally insures you worldwide.

If you choose to reside outside of Switzerland, but within the European Union, you still have the obligation and possibility to remain insured with the health insurance companies in Switzerland.

As a cross-border commuter, you benefit from the European Free Trade Association.

The insurance system is regarded by many Swiss and this association makes it possible for you to continue to have health insurance within Switzerland within the EU. The so-called free movement agreement with the EU and the EFTA agreement are based on the principle of place of employment and so you can continue to insure yourself and your family with the Swiss health insurers in their member states.

EFTA member states include:

Belgium, Bulgaria, Denmark, Germany, Estonia, Finland, France, Greece, Ireland, Italy, Croatia, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal, Romania, Sweden, Slovakia, Slovenia, Spain, Czech Republic , Hungary, United Kingdom and Cyprus.

The corresponding insurance obligation applies to all cross-border commuters who hold a G pass from the start of work. Accordingly, it ends with the abandonment of the employment relationship.

Caution!

Remember that you have to take out health insurance in Switzerland within 3 months from the day of your stay abroad.

In the 4 directly bordering countries of Switzerland, Swiss nationals living there are entitled to the option right.

Switzerland has made special arrangements with France, Austria, Germany and Italy. These are combined in the declared option right, which gives you the opportunity to take out insurance in these countries if you have become Swiss there. 

If you do not want to continue to take out insurance in Switzerland, you can apply for exemption from the insurance period in Switzerland within 3 months of starting your new job with your foreign employer. 

For cross-border commuters who are insured in France, there is, for example, the? Choix du système d'assurance-Maladie form ?. You must fill this out and have it examined by the Caisse primaire d'assurance-maladie française (CPAM).

It will then be returned to the competent authority in your canton of work in Switzerland. In the event that you want to insure yourself as an emigrant in France, you must send a copy of the form to your old health insurance company so that the insurance relationship is terminated properly.

Regulations around the topic of care services

Anyone who has health insurance in an EU country must generally also be treated in the country of residence. However, if the person concerned is insured in Switzerland or an EU country other than the country of residence, they are also entitled to the same benefits in their country of residence under the same conditions if they were insured with social security in their own country. 

Persons insured in Switzerland and residing in an EU country may insist on the so-called treatment option. As a result, these groups of people can undergo medical treatment either in their country of residence or in Switzerland. The rules for full cost sharing do not differ

Conclusion

Health insurance in Switzerland is a safe option for all Swiss living in the EFTA countries if they are satisfied with the health insurance in Switzerland and feel safe. And here too you can take advantage of the various insurance offers.

On health insurance comparison is definitely worth it for you.

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Basic insurance for maternity

What you should know about the benefits of basic insurance for motherhood in Switzerland

We will provide you with detailed information about the benefits that compulsory health insurance in Switzerland provides during maternity.

Are you really looking forward to the new life that will soon grow in you and can't wait to finally hold your little darling in your arms? 

Perhaps you are planning to start a family soon and want to build a future in Switzerland? 

The most important thing that you as an expectant parent are interested in during pregnancy is undoubtedly mothers and babies health protection during maternity. Here you will find helpful tips that will take away your worries and allow you to enjoy your child with ease. 

We will provide you with detailed information about the benefits that compulsory health insurance in Switzerland provides during maternity.

Basic insurance in Switzerland covers the most important costs in maternity.

Switzerland saw a steady rise in the birth rate between 2007 and 2017. This is mainly due to the stable economic situation of the attractive region and also to the child and mother-friendly basic insurance, which pays for the crucial and necessary examinations and treatments during motherhood. 

Because everyone in Switzerland has to show this compulsory health insurance for stays of three months or more, future small residents will also receive the best medical care from the time they come into being and also after birth. 

The basic insurance fundamentally covers the necessary special maternity benefits.

These include the treatments and preventive services performed by midwives or doctors:

- Check-ups during and after pregnancy such as:

Ultrasound examinations, prenatal cardiotographies, the first-trimester test, the non-invasive prenal test, advised amniotic fluid tests and the placenta examination.

- Treatments for diseases:

From the 13th week of pregnancy and 8 weeks after the birth, the basic insurance covers all costs that you incur due to illnesses or complications. Before the 12th week of pregnancy, the rules of your supplementary insurance or health insurance apply.

- Birth preparation courses carried out by midwives or a specialist institution.

Tips: 

- You do not have to prepare for birth alone, because the basic insurance makes a contribution of CHF 150 for individual and group courses.

- The stay in hospital during and after birth is also paid for by the compulsory health insurance for mother and child.

- For the birthplace and hospital resident in your canton, your health insurance company will cover the entire costs of the birth, including medical care afterwards. 

This includes the absolute assumption of costs without franchise, a deductible or a hospital contribution. 

If you decide to go to another hospital that is not in your canton of residence, it is advisable to agree with your health insurer beforehand what is paid and what is not.

Important:

If your little darling has an illness regardless of birth, the child's health insurance automatically pays for the necessary treatments from the first day, taking the deductible into account.

Good to know

Even after birth, basic insurance covers coverage for mother and child. For example, young mothers benefit from home care offered by midwives up to 56 days after birth. Unless otherwise prescribed by a doctor, this consultation includes up to ten appointments. In addition, the services for pregnant women provide the following treatments and advice after childbirth: 

    1. a check-up (six to ten weeks after delivery)
    2. three breastfeeding consultations by a breastfeeding consultant or midwife

A small tip on the side: In Switzerland there is no relevant case law for the case of a desired Caesarean section. Those who want to be on the safe side can choose the deepest franchise with CHF 300. In this case, the costs remain as low as possible if the health insurance companies do not completely cover the costs for a Caesarean section. 

Conclusion

Switzerland ensures good basic care for all pregnant women and their newborns. In addition, the various health insurance companies of course also offer modern and progressive additional benefits and insurance, which, depending on your individual needs, offer supplementary benefits during maternity.

The health insurance comparison is really worth it! Save here now!

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How and when you can cancel your supplementary insurance in Switzerland

How and when you can cancel your supplementary insurance in Switzerland.

You can usually cancel your supplementary insurance once a year.

In Switzerland, supplementary insurance covers all benefits that are not covered by your basic insurance. With these supplementary insurances, a distinction is made between supplementary hospital insurances and outpatient supplementary insurances. 

As the name suggests, supplementary hospital insurance includes cost coverage for inpatient stays, while supplementary outpatient insurance covers, for example, medication, alternative treatment methods, dental prosthesis costs or treatments abroad. 

Because the insurance companies are very variable when it comes to structuring their benefits and premiums, it is worthwhile for you to compare the offers of the health insurance companies in Switzerland. 

You should also find out exactly how and when you can cancel your supplementary insurance if you want to switch to another insurance. In this blog you will find the appropriate information.

You can usually cancel your supplementary insurance once a year.

If, for example, you are interested in and want to switch to another supplementary insurance, you can usually cancel your current insurance policy once a year. 

The notice of cancellation must be received by September 30th at the latest, so that it takes effect on December 30th with a statutory notice period of 3 months. Please note that most contracts are automatically tacitly renewed if you do not cancel in time! 

In addition, there are contracts that you are expressly bound for a certain term and in which you only have the right to a first termination option after the expired period.

There are also special cases in which you have the immediate right to cancel your supplementary insurance.

The law of Switzerland states that in the case of damage can terminate the existing contract either completely or even immediately the item concerned. For example, if you have received payment for treatment from a doctor or have had a medical accident, you have the option of opting out of a long-term contract. 

Of course, you should keep in mind that the new supplementary insurance in Switzerland can also check ongoing treatments and your medical history and can also speak against insurance for you.

Similar to basic insurance, you are also entitled to cancel supplementary insurance in Switzerland if the insurance covers yours Increase premiums. 

This special right of termination comes into force when the relevant health insurance company announces in October that the premium for the following calendar year increases. 

Also pay attention to the observance of the respective notice period! For some, this ends at the latest on December 31, but usually already at the end of November and with a period of 25-30 days after the premium increase was announced. 

The special right of termination applies without exception to all supplementary insurance in Switzerland regardless of the terms of the contracts concluded.

There is also in itself changing conditions of your supplementary insurance a special, reduced right of termination for you. However, if you do not want to change health insurance, you can insist on maintaining the previously agreed conditions. 

Change additional health insurance: You should know that!

In general, you are well advised to cancel your supplementary insurance if you only cancel the old policy after you have received an unconditional confirmation of admission from the new health insurance company. 

Otherwise you should at most cancel the basic insurance of the companies. Insurance companies are free to make a temporary or permanent reservation when applying for additional insurance. The companies will make this decision if they certify that the applicant has an unfavorable health risk. 

Conversely, this means that the policyholders are not allowed to claim benefits from the insurer for treatment of the respective illnesses. 

Conclusion

Your needs often change and your medical condition should also play a decisive role when choosing your supplementary insurance. Compliance with the regular notice periods enables you to make a smooth change. So it's worth checking so that the Health insurance comparison easy expires.

It's worth comparing! Now here click and save 1,000 francs!

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How and when can I cancel my basic insurance in Switzerland?

When and how can I cancel my Swiss basic insurance?

In principle, you can cancel the Swiss basic insurance annually without any problems or disadvantages.

If you are looking for a high-quality health insurance comparison have opted for health insurance from a health insurance company in Switzerland, you have all options.

The mandatory Basic insurance Switzerland is regulated by law and the premiums of the health insurers are officially approved.

Every health insurance company has to inform each customer clearly and openly about its services and premiums, which is why there are some advantages for you that you can use for a final decision or a change. In this blog you will find out when and how you can advantageously terminate your basic insurance in Switzerland.

In principle, you can cancel your basic insurance in Switzerland annually without any problems or disadvantages.

Tip: You can send a sample letter here Download.

Every year in October at the latest, the health insurance companies usually quantify your new premiums for the next year. You have until November 30th to cancel your old basic insurance and switch to another fund. 

The change to the new health insurance company generally takes place on January 1st of the following year. Regardless of the franchise levels, from GP model or Telmed model and the premiums, this rule applies to everyone, regardless of whether they have bonus insurance or not.

You should therefore calmly wait for the annual premium notification from the health insurance companies in Switzerland and include the result in an efficient health insurance comparison.

Anyone who has taken out basic insurance with a franchise can also terminate every six months.

If you pay a franchise starting at CHF 300 in addition to the basic insurance premiums, you can change your health insurance every six months until the end of June. However, this only applies to contractors who are not insured according to the family doctor model and the Telmed model. 

Tip: The old health insurance company must have given notice of termination by the end of March in order for the change to work smoothly.

If your health insurance company increases the premium during a current calendar year, you also benefit from an additional right of termination. This also applies if your basic insurance is anchored in one of the models.

A seamless change of health insurance is not a problem in Switzerland.

If you want to terminate your previous health insurance company in Switzerland as soon as possible, make sure that the date on which the notification of termination was received by the health insurance company is decisive. The notice of termination must therefore reach the health insurance company on the last working day before the start of the notice period. 

It is not the postmark with the date of sending that counts, but the timely receipt of the letter. Therefore, you should include all working days and also Sundays and public holidays in the submission deadline. 

Your new health insurance company must then send a message to the old insurance company in good time and pay the difference in the contributions if you fail to do so. This is how Switzerland successfully counteracts an interruption in the insurance relationship.

Bonus insurance special case

A special case occurs if you have taken out a bonus package for the basic policy with your previous health insurance. You can only terminate this so-called bonus insurance after a maximum of five years after the conclusion of the contract at the end of a calendar year. 

Please also note that you have to observe a three-month deadline for this termination. In the case of an announced premium increase, the shortened notice period is one month. In this case, however, the regulation with a five-year contract has priority. 

Therefore, you might want to think about the extent to which this insurance model might even be suitable for you due to the longer cancellation periods when you take out the bonus insurance. 

Conclusion

In Switzerland, you have the advantage that health insurance companies work openly and competitively to retain customers. As a rule, you yourself can decide annually which advantages and which cash register are attractive and lucrative for you.

A well-founded health insurance comparison makes perfect sense. So take your time between November and December to make the selection for your health insurance company. Find out here whether your health insurance company has one Work accident pays!

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Franchise and deductible: the cost sharing of the insured

Franchise and deductible: the cost sharing of the insured

All insured persons must bear part of the costs they incur. The scope of theThis mandatory cost sharing is set out in the law.

First there is the ordinary, legally prescribed annual deductible of CHF 300.

The franchise is a fixed annual amount and therefore a base fee that all adults aged 19 and over have to pay for their own healing costs each year.

The annual deductible applies to all services that are paid for from basic insurance, i.e. for doctor and hospital bills, medication, glasses, nursing home and Spitex bills as well as for gynecological preventive medical examinations, but also for r Accident treatment if no compulsory accident insurance pays.

Tip: Children up to the age of 18 do not have to pay a franchise (parents can, however, voluntarily conclude a franchise for their children).

The rules of the deductible

In addition to the annual deductible, there is a deductible of 10 percent, which is also required by law, also for children.

This means: If the insured has already paid off his franchise in the calendar year in question, he must continue to take over 10 percent of each invoice himself (in exceptional cases 20 percent).

This deductible is open to adults over 19 limited to a maximum of 700 francs per calendar year (350 children per year).

Three examples

Example 1: If you go to the doctor once a year and receive an invoice for CHF 290, you pay everything yourself.

Example 2: Anyone who presents a single medical bill of CHF 400 per year will receive a refund of CHF 90 rather than CHF 100 (400th minus annual deductible, 300th minus 10 percent deductible, based on the remaining amount).

Example 3: If the medical costs are CHF 2,000 per calendar year, you pay an annual deductible of CHF 300, plus a deductible of CHF 170 (10 percent of € 1,700). This results in a total cost sharing of CHF 470. The rest of CHF 1,530 is covered by health insurance.

Exceptions in the overview

All services in the event of maternity or for certain measures of medical prevention are exempt from paying the franchise fees and the deductible. In the context of inpatient treatment in a hospital, there is also a cost contribution of CHF 15 per day as hospital amount. Children up to the age of 18, trainees up to the age of 25 and expectant mothers for medical services during maternity are also exempt from paying the amounts. 

Franchise and deductible: the intention

In addition to the premiums, the franchise and deductible model has proven itself as an additional financing instrument for social health insurance. The primary aim of this is to support policyholders' personal responsibility and cost awareness. 

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