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!