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How to Change Your Health Insurance in Switzerland: Deadlines, Steps, and Expert Guidance
Thinking about switching your health insurance in Switzerland? You're not alone! Changing health insurance can save you money and get you better coverage. Here's everything you need to know to make the switch smoothly.
Navigating Swiss Healthcare: Your Roadmap to a Successful Insurance Switch
If you're looking to change health insurance in Switzerland, you're not alone. Annual premium hikes, changing healthcare needs, or relocation to a new canton often motivate Swiss residents and expats to seek better coverage or lower costs. Fortunately, switching is easier than you might think—if you know the rules and key dates.
Compare and Change Your Health Insurance
Let our AI guide you through finding better coverage and potentially saving on your premiums.
Why Change Your Health Insurance?
- Premium Increases:
A big premium increase may not be worth it if there are cheaper options with similar coverage.
- Unsuitable Coverage:
Your current policy no longer meets your health needs.
- Relocation:
Moving to a new canton can affect your premiums.
- Poor Service Experience:
Unhappy with claim handling or customer support.
When Can You Switch Health Insurance?
Basic Insurance (KVG)
- Main Deadline: 30 November
- Coverage Start: 1 January
- Mid-Year Option: 31 March (conditions apply)
Supplementary Insurance (VVG)
- Typical Deadline: 30 September
- Premium Increase: 30 days notice
- Confirm new coverage before canceling
Comparing Basic Insurance: Use Official Tools and Our AI Premium Calculator
Official Priminfo Tool
- Compare cantonal premiums
- View different insurance models
- Calculate potential savings
Insurance-Guide AI Calculator
- Personalized premium comparisons
- Ready-to-use termination forms
- English language support
Steps to Switch Your Insurance
Compare Options
Start with Priminfo for basic insurance. For supplementary plans, consider professional advice or do thorough research.
Check Deadlines
Mark 30 November for basic insurance and 30 September for supplementary. Remember special conditions for changes.
Gather Info
Have your current policy details, premium notices, and personal information ready.
Enroll with the New Insurer
Get accepted by the new insurer first—especially for supplementary coverage.
Cancel Old Policy
Once accepted, send your cancellation letter by registered mail. Get written confirmation.
Frequently Asked Questions
When can I change my health insurance in Switzerland?
You can change your basic health insurance by giving notice by November 30th for a January 1st switch. Mid-year changes are possible under specific conditions.
Can I keep my supplementary insurance when changing my basic insurance provider?
Yes, you can keep your supplementary insurance with your current provider while changing your basic insurance to a new provider.
Can Insurance-Guide help English-speaking expats switch health insurance?
Yes, we provide full English-language support and guidance throughout the switching process.
How do I cancel my current Swiss health insurance policy?
Send a registered letter (eingeschrieben/recommandé) to your insurer before the deadline. We can provide templates and guidance.
Is there a government tool to compare premiums?
Yes, the official Priminfo website allows you to compare basic insurance premiums across all providers in your canton.
Final Thoughts
Switching health insurance in Switzerland doesn't have to be complicated. With the right guidance and timing, you can find better coverage and potentially save on premiums. Remember to compare options carefully, check deadlines, and seek expert help if needed.