Change health insurance
Switch your basic health insurance now and save on premiums.
Switching health insurance
Every year, more than 100,000 people change their health insurance in Switzerland. There are many reasons for this: prospect of lower premiums or dissatisfaction with the current fund.
In Switzerland, the cancellation dates for compulsory health insurance are precisely specified by law. Switching health insurance fund is only possible on the corresponding dates. Before the dates, a change can be prepared but not yet completed.
Notice deadline and advantages
Compulsory health insurance (basic health insurance) can be switched every year. In order for the switch to happen without any problems, cancellation in the case of an ordinary switch must be received by the current health insurance fund in writing – preferably by registered letter – on or before 30 November.
Advantages of switching
Switching to a lower-cost health insurance can make sense financially. By switching to low-cost basic health insurance, it is often possible to save more than CHF 1,000.00 per year. This adds up to a considerable amount over several years, which is then additionally available to you.
Change your swiss health insurance now!
Good to know
- Cancellation is only possible in the event of a switch or when relocating abroad.
- As a general rule, it is only possible to switch health insurance funds at the end of the year.
- Other conditions apply to the cancellation of supplementary insurance.
Cancelling the health insurance
You are only able to cancel compulsory health insurance when switching to another health insurer. Because health insurance is compulsory for everyone in Switzerland, the obligation to be insured first ends with death or relocation abroad.
Notice period
In the case of compulsory basic health insurance, the notice period of the health insurance funds is always 30 days before the end of the year. This means that the cancellation needs to have been received by your current health insurance fund not later than 30 November. Otherwise, cancellation is not possible. When terminating the supplementary insurance, the deadline is 30 September.
Cancellation form
Download the sample cancellation form (.docx file). You can download the cancellation notice as a Word file.
Relocating abroad
You can cancel your health insurance fund if you deregister in Switzerland and move abroad. This extraordinary reason for cancellation is only possible if you relocate abroad. In many cases, however, it is advisable not to cancel the current health insurance, as it makes sense to have cover abroad. Moreover, supplementary insurance should not be cancelled, since resumption is not certain.
FAQ
- Compare the premiums of all health insurance funds and choose the desired health insurance.
- Cancel your existing health insurance by registered letter not later than 30 November.
- Also register with your desired new health insurance fund by registered mail.
No, this is not possible, since the current health insurance fund will confirm the cancellation to the new health insurance fund. Otherwise, you cannot be registered in the new health insurance fund. In any case, it is advisable to avoid giving notice at the last possible moment and to allow the necessary time for the switch.