How to Switch Your Health Insurer: Steps, Deadlines and Pitfalls
The yearly process for changing basic insurance and what to do with supplementary cover.
4 min read · Insurance & Health
Life situations: Moving to Switzerland
You can change your basic health insurer every year, and many people save hundreds of francs.
The steps
- Compare premiums for your region, franchise and model.
- Apply for the new insurer's basic insurance and wait for acceptance.
- Cancel the old insurance by registered letter so it arrives before the deadline.
Example with default values. Open the calculator →
Deadlines
The notice usually must reach the insurer by 30 November. Check any special deadlines in the contract and after premium announcements.
Supplementary cover
Do not cancel supplementary insurance until a new offer is confirmed, because you may not get it again. Compare costs with the premium comparison calculator.
Try it yourself: Insurance Premium Comparison
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Saving in year 1CHF 480
- Total saving over the period
- CHF 2'600