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.
Policyholders whose premiums are increasing in mid-year have to be informed about this step by their health insurance by the end of April. In this case, policyholders can terminate the contract until the end of May and change to another insurance company as from 1st July.
Click here for a prepared termination letter:
Basic health insurance (Word).
Attention: If you have overdue monthly premiums, you might not be allowed to change insurance companies.
If you have a bonus insurance with your current insurer:
You may only terminate 5 years after contract conclusion for the end of the calendar year and must give three months notice.
However, should premiums rise, notice of termination must only be given one month in advance if the contract is over five years of age.
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