What you need to bear in mind when changing health insurer
Published: Thursday, Sep 26th 2024, 04:40
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Anyone wishing to change their health insurance provider due to rising premiums must cancel their current health insurance by November 30. The Federal Office of Public Health (FOPH) recommends a written notice of termination by November 15 in registered form or by A Mail Plus to the health insurance company.
The FOPH has published sample letters on the Priminfo.ch website. It also advises you to register with another health insurer at the same time. It is not necessary to obtain a quote from the new health insurer before switching.
Membership with the previous health insurance fund only ends when the new health insurance fund has informed the previous one that the insured person is insured with it without interruption of insurance cover. It must also inform the insured person of this.
No change with debt
However, the insured person cannot leave the previous health insurance fund despite giving notice if he or she has debts that have not been settled by the end of the year
If the basic insurance is terminated, the health insurer may not force the insured person to terminate any supplementary insurance with the same insurer.
Insured persons may also cancel supplementary insurance of their own accord. As a rule, different notice periods apply to supplementary insurance than to basic insurance. These periods are set out in the insurer's general terms and conditions of insurance.
The FOPH offers a premium calculator on the aforementioned website, with which insured persons can get an overview of the various offers and premiums. It can also be used to calculate the savings that can be made by switching to a cheaper insurer.
http://www.priminfo.ch
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