Possible reasons why the premium shown is not what you are currently paying.You may have:
You can change the deductible rate and accident insurance on the results page. Premiums for GP and HMO models are only included in the comparison if the relevant health insurance company so desires. It is therefore possible that you are unable to find the GP or HMO premium in the Comparis comparison.
Possible reasons for a premium discrepancy in the case of supplementary insurance:
Of course, there could be a mistake. If none of the above possibilities apply, we would be happy to investigate further. For this we need the following information:
Many thanks for your cooperation!
In order to change your deductible rate for the following year, you must send a letter stating the lower deductible rate, which must arrive at your health insurance company by Nov. 30. If you want to raise your deductible rate, you must inform you insurer by Dec. 31.
No! Every insurance company must admit you to their mandatory basic health insurance- no questions asked, regardless of age and current health. Only fill out the form with questions about your health if you want to buy supplementary insurance.
Coverage is only provided for emergency treatment. Basic health insurance will only pay up to twice the amount the same treatment would have cost in Switzerland. This is completely sufficient for travel within Europe. However, it is strongly recommended to purchase additional protection if you are planning to visit the United States, Canada, Australia, New Zealand or Japan.
Holders of Swiss health insurance in need of emergency treatment in a country belonging to the EU or EFTA:
A local insurance company carries the costs according to the agreed tariffs and the policyholder carries the applicable contribution to costs. The insurance company then settles the costs through a central organisation with the Swiss health insurer.
Since the beginning of 2006, all policyholders in Switzerland carry an insurance card, which renders the E111 form superfluous. The credit card-sized insurance card carries administrative data, such as name, sex, date of birth, insurer and insurance number.
Tip: If necessary, buy supplementary health insurance or separate travel insurance.
Termination deadlines for changing insurance companies:
For termination as of December 31 , the termination letter (registered letter) must reach the former health insurance by November 30 or the last working day of November, respectively. This is the final deadline, no matter if your new premium is higher, lower or remains unchanged.
For termination as of June 30 , the termination letter (registered letter) must reach the health insurance by March 31 or the last working day of March, respectively. This only applies to policyholders with a deductible rate of CHF 300 (children: CHF 0) and a standard basic insurance (no alternative insurance models such as e.g. HMO or Telmed). In all other cases a switch to is only possible for the end of a legal year.
Termination deadlines for switching insurer:
If your premiums rise: All information regarding termination is stated in the insurance conditions (e.g. one month as of notification of higher premiums or per year end).
For unchanged premiums: Notification deadlines are listed in the table below.
Supplementary health insurance (Word) .
Only terminate your current supplementary insurance after you have received confirmation of acceptance from your new health insurance company without provisos. Otherwise you are recommended only to terminate your basic insurance.
Health insurance companies can include a temporary or permanent proviso for supplementary insurance if they consider the applicant's state of health an unfavourable risk. This means that the policyholder will not receive compensation for any treatment related to the illness mentioned in the proviso.
Answer the questions in the application form accurately and completely.
Health insurance companies have the right to include retrospective provisos if it comes to light that an applicant has provided untruthful or incomplete information when completing the application form.
Coverage provided by basic health insurance is regulated by law and therefore identical for all insurers. Click here to find an outline on services covered.
However, coverage for optional supplementary health insurance may vary from provider to provider. This is why our supplementary health insurance comparison also takes the extent of coverage into account.
This depends on the length of service. Federal health insurance laws state: „Those serving over 60 days for military service in sequence are not obligated to pay for basic health insurance for this period of time.“ This means you are not obligated to pay for premiums during service lasting longer than 60 days. In order to receive reimbursement, you must provide your insurer with proof of length of service (send a copy of your marching orders).
Regulatory laws for health insurance stipulate all services for which basic health insurance must provide coverage (this includes services relating to pregnancy and birth). Article 29 regulates services relating to pregnancy and birth as follows:
Art. 29 Maternity 1 Mandatory basic health insurance must cover costs for additional services for maternity as is provided for general cases of illness. 2 These services include: a. Check-up examinations performed by either doctors or midwives or carried out upon doctors' orders during and after pregnancy; b. Delivery either at home, in a hospital ward or a semi-stationary health care institution as well as obstetric assistance provided by a physician or midwife; c. Necessary breastfeeding consultations.
Since all health insurers must provide identical coverage, you may confidently switch to a cheaper health insurance, even during pregnancy. This will enable you to spend your savings wisely on equipment you will be needing for your baby. In addition to premium rates, Comparis will show you customer statisfaction for each insurance provider.
Claims made due to maternity are not liable to annual deductible rates or retention. However, this only applies to services listed in legal regulations, which are: pre-natal courses, routine examinations, childbirth and breast-feeding consultations.
However, therapy and medication due to complications are liable to deduction as well as retention. This was decided by the Federal Court of Switzerland in September 2001. Conditions most often affected by this decision are: hospitalisation to avoid premature birth, treatment for pregnancy diabetes, infections due to pregnancy or birth and psychological therapy for post-natal depression. According to the Federal Office for Social Insurance, there is no clear-cut jurisprudence for C-sections. If you are planning a pregnancy and want to be on the safe side, opt for the lowest possible deduction of CHF 300 in order to keep costs as low as possible, should a C-section not be fully covered by your health insurance provider.
Tip: It is often not obvious to insurance providers which services are due to maternity and therefore fully covered. Ask your doctor to mark bills accordingly.
For supplementary health insurance, provision and coverage are determined by insurance conditions. Keep in mind that there is a qualifying period for maternity-related insurance after contract conclusion.
All health insurance providers are listed in our basic health insurance comparison. You will be able to see all premiums by switching to the extended view on the results page and clicking on "show new".
Our supplementary insurance comparison includes the products of largest health insurance companies as well as other providers affliliated with Comparis.
You may order offers directly online from providers who cooperate with Comparis for this service. This may not be the case for insurers not interested in recruiting new customers, for those insurers that use other channels of distribution, or for those not able to provide the necessary infrastructure for online registration.
This is where you can find information about:
Individuals planning to reside in Switzerland Insurance for Swiss pensioners living in an EU country Cross-border commuters Tourists and visitors to Switzerland looking for temporary insurance
Basic health insurance may be purchased from providers other than those of supplementary health insurance products. Insurers are no longer allowed to terminate supplementary health insurance if customers choose to buy basic health insurance elsewhere. However, certain providers do impose surcharges for higher administration costs or cancel premium discounts (such as family or collective discounts). This is legitimate, but rare.
We recommend you choose a cheap provider for your basic health insurance since all must provide exactly the same coverage. This is why it is best to purchase the cheapest health insurance possible. As well as premium rates, comparis can show you customer satisfaction for individual providers.
Here's what to do in order to buy basic and supplementary health insurance from different providers:
1. Before sending anything, make a copy for future reference. 2. Send your invoices to your basic health insurance provider. Make clear to them that you hold supplementary heath insurance from another insurer. Your basic health insurer will check the bills and send you the settlement. 3. You may then send the settlement to your supplementary health insurance provider along with a copy of the invoice . In certain cases, you may receive two original invoices to send to both insurance companies.
