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Health questionnaire

When applying for health insurance, you will not be asked to fill in a health questionnaire. All providers are obligated to accept every applicant for basic health insurance without reservations.

In the case of applications for supplemental insurance, health insurance providers are allowed to ask questions about your state of health.

Health insurance providers may place a temporary or permanent qualification on supplemental insurance if they consider an applicant's state of health to be an unfavourable risk. This means that the policyholder will not receive benefits for treatment of an illness addressed in the qualification. Insurers may also reject applications without giving a reason.

In the context of supplemental insurance, health insurance providers have the right to make retroactive qualifications if it is later determined that false or incomplete information was provided on the application form.

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