As the fall and winter seasons approach, it's a reminder for many to think about switching health insurance providers. The focus is on health insurance benefits and offerings. You are not satisfied with your health insurance and are considering switching to another insurance company? In this article, you will find all the important information about changing your health insurance.
Depending on whether you have basic or supplementary insurance, different deadlines and conditions apply.
Basic insurance
Every person must be included in the basic insurance, as it is mandatory for all persons residing in Switzerland. To change your basic insurance, you must send your old health insurance company a written notice of cancellation (by registered mail) by November 30, or by the last working day in November. The notice period is 1 month. Adjustments in the basic insurance (such as deductible rate or insurance model) are possible at any point in the year.
Supplementary insurance
Supplementary insurance closes the coverage gaps left by the mandatory basic insurance. Customers can decide for themselves whether they want to take out a 1- or 3-year contract. The cancellation period is 3 (sometimes 6) months, and the cancellation letter must be received by your health insurance company by September 30 at the latest.
Important: Do not cancel your old supplementary insurance policies until you have received confirmation from the new insurance company. Otherwise, there is a risk that you will end up without supplementary insurance if you are rejected by the new insurance company.
Your insurance policy with your previous insurer will only be terminated when the new insurer notifies the previous one that you are insured with them without interruption of coverage. It is also important to note that if you have any debts with your previous health insurance company, you must settle them by the end of the year, otherwise you will not be able to switch, even if the termination would be on time. This concerns the following costs:
So there are many things to consider when switching health insurance companies. In order to obtain the best offers and ensure a smooth transition, consider getting professional support. Expat Services Switzerland is here to find the best insurance package for you, answer all of your questions, and manage your paperwork. Contact us now!
Navigating the Swiss health insurance system can be challenging for expats, but finding the right plan to meet all your needs is crucial. Within three months of arriving in Switzerland, expats are required to secure compulsory basic health insurance. Failure to do so can result in back payments and fines.
Covid-19 is still present in every aspect of our life. But when do you need to have a test and how do you proceed to get tested? And who will cover the expenses for testing?
Having a baby is a big event. We therefore explain you everything you need to know about becoming a parent in Switzerland.
Visiting a doctor is certainly not your first priority when you are newly arrived in Switzerland. Nevertheless, it is beneficial to find out about how to find a doctor and register early on so that you are prepared in case of an emergency. In this article, you will find all the important information about this.
You are new in Switzerland and would like to know what to consider when registering with a health insurance company? In the following article, we explain which deadlines apply and what is important when registering.
Rising healthcare costs are a cause for concern, especially in light of the average premium hike of 9% in 2024, with further increases in the years to come. In such challenging times, many people in Switzerland are seeking ways to minimize their financial burden. This is where "splitting" comes into play.
Medications are becoming increasingly complex, and new pharmaceuticals are hitting the market often at high price points. Expat Services Switzerland is here to inform expats to the country on how your medications, vaccinations, and check-ups are paid for.
You’ve newly arrived in Switzerland, concluded your basic health insurance on time, and started to settle in. Yet the first time you have actual healthcare expenses, you get stiffed with a high bill and rightfully ask yourself “how is THIS not covered by basic insurance?”.
Switzerland has a high-quality healthcare system, but finding the right health insurance as a foreigner is tough. If you’re new to the country, you legally must be insured within 3 months of your arrival. That’s why we’ve put together a list of the top health insurance providers for foreigners in Switzerland, each with unique benefits. Here’s our top 8 recommendations for 2024, formed by our independent insurance experts.
For foreigners moving to Switzerland, understanding the health insurance landscape is crucial. This guide will show you how to find the best health insurance available in 2024. The government mandates a basic health insurance plan, but you can also choose additional, private supplementary insurance for better coverage.
