Change Health Insurance in Switzerland:
Your Ultimate Guide

Why Change Your Health Insurance?

First things first: why bother changing your health insurance? Swiss health insurance premiums can change as quickly as the weather. Here are some reasons for switching:

• Your premiums have skyrocketed.
• Your coverage doesn’t meet your needs.
• You’ve moved to a new canton. (or in the Same canton to another premiumregion)
• You’re unhappy with your current provider’s service.

Pro Tip: For more insights, check out our article on Top Reasons to Switch Health Insurance.

When Can You Switch Your Insurance?

Timing is everything! Here’s when you can change health insurance:

Basic Insurance (KVG)

• End of November: The typical deadline if you received your new policy in October.
• End of December: If you received your policy in November.
• 30 Days After Receiving New Policy: If premiums increase or conditions change.

Supplementary Insurance:

• End of September: The standard deadline for most providers.
• 30 Days After Receiving New Policy: If there’s a premium increase or change in conditions.

Important: Make sure your new insurance has accepted you before canceling your existing policy, especially for supplementary coverage.

Comparing Basic Insurance: Easier Than You Think!

Comparing basic insurance is a breeze thanks to priminfo.ch. This government site lets you:

• Compare premiums across providers.
• See potential savings.
• Get a clear overview of your options.

But remember, priminfo.ch only covers basic insurance. For the extras, you’ll need to look deeper.

Supplementary Insurance: The Tricky Part

While basic insurance is standardized, supplementary coverage is where providers get creative. Each company offers its own unique mix of:

• Coverage options.
• Service levels.
• Special perks. ( The Good And Not so Good once)

It’s like comparing apples to oranges... to exotic fruits you’ve never heard of!

The Expat Savvy Advantage

Feeling overwhelmed? Don’t sweat it! Expat Savvy can help. They’re pros at:

• Decoding complex insurance jargon.
• Comparing supplementary options across providers.
• Finding the best fit for your needs.
• Finding solutions for Pre-Existing health issues

Ready to simplify your switch? Book a free consultation with Expat Savvy today

Steps to Switch Your Insurance

Here’s your game plan for switching health insurance:

• Compare options: Use priminfo.ch for basic insurance and get expert help for supplementary.
• Check deadlines: Mark your calendar for key dates.
• Gather info: Have your current policy details ready.
• Make the call: Contact your chosen provider.
• Cancel old policy: Only after your new one is confirmed!

Tips for a Smooth Switch

• Don’t cancel your old insurance until your new one is confirmed.
• Consider your health needs for the coming year.
• Watch out for waiting periods on new supplementary coverage.
• Keep an eye on your deductible options.

Is Switching Worth It?

Switching health insurance can save you money and improve your coverage. But it’s not always the right move. Consider:

• Potential savings vs. the hassle of switching.
• Your current and future health needs.
• Quality of service from your current provider.

‍There you have it—your complete guide to switching health insurance in Switzerland! Remember, a little research goes a long way in finding the right coverage. Don’t hesitate to ask questions and seek expert help. Your wallet—and your health—will thank you!