Basic health 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 change to a new health insurance 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 any outstanding monthly premiums, you might not be allowed to change your insurance company.
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.
Supplementary health insurance
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).
Note: in the case of a premium rise due to changing into a higher age group, termination is also possible.
For unchanged premiums: Notification deadlines are listed in the table below.
Click here for a prepared termination letter:
Supplementary health insurance (Word).
Tips:
- Only terminate your current supplementary insurance after you have received confirmation of acceptance from your new health insurance company without reservations. Otherwise you are recommended only to terminate your basic insurance.
Health insurance companies can include a temporary or permanent reservation 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 reservation.
- Answer the questions in the application form accurately and completely.
Health insurance companies have the right to include retrospective reservations if it comes to light that an applicant has provided untruthful or incomplete information when completing the application form.
Termination deadlines for supplementary health insurance if premiums have not risen:
| Health insurer |
Shortest contract duration |
Notice of termination |
| Aerosana |
1 year |
3 months, for the end of the calendar year |
| Agrisano |
1 year |
3 months, for the end of the calendar year |
| Aquilana |
1 year |
3 months, for the end of the calendar year |
| Assura |
5 years |
6 months, for the end of the calendar year |
| Atupri |
1 year |
3 months, for the end of the calendar year |
| Avanex |
1 year |
3 months, for the end of the calendar year |
| Concordia |
1 year |
3 months, for the end of the calendar year |
| CSS |
3 years |
3 months, for the end of the calendar year |
| Eidgenössische |
1 year |
3 months, for the end of the calendar year |
| Galenos |
6 months |
3 months, for end of June or end of calendar year |
| Groupe Mutuel |
5 years |
6 months, for the end of the calendar year |
| Helsana |
1 year |
3 months, for the end of the calendar year |
| Hotela |
n.a. |
3 months, for the end of the calendar year |
| Innova |
1 year |
3 months, for the end of the calendar year |
| Intras |
1 year |
3 months, for the end of the calendar year |
| KK Malters |
1 year |
3 months, for the end of the calendar year |
| KK Reg. Goms |
3 years |
3 months, for the end of the calendar year |
| KK Cervino |
1 year |
6 months, for the end of the calendar year |
| KLuG |
1 year |
3 months, for the end of the calendar year |
| Kolping |
1-2 years depending on product |
3 months, for the end of the calendar year |
| KPT / CPT |
1 year |
3 months, for the end of the calendar year |
| Maxi.ch |
1 year |
3 months, for the end of the calendar year |
| Moove Sympany |
1 year |
3 months, for the end of the calendar year |
| ÖKK |
1 year |
3 months, for the end of the calendar year |
| Panorama |
1 year |
3 months, for the end of the calendar year |
| Philos |
1 year |
3 months, for the end of the calendar year |
| Progrès |
1 year |
3 months, for the end of the calendar year |
| Provita |
1 year |
1 month, for the end of the calendar year |
| Rhenusana (BKK Heerbrugg) |
1 year |
3 months, for the end of the calendar year |
| Sanitas |
1 year |
3 months, for the end of the calendar year |
| Sansan |
1 year |
3 months, for the end of the calendar year |
| Sodalis |
1 year |
3 months, for the end of the calendar year |
| Sumiswalder KK |
1 year |
3 months, for the end of the calendar year |
| Supra |
5 years |
6 months, for the end of the calendar year |
| Swica |
1 year |
3 months, for the end of the calendar year |
| Visana |
1 year |
3 months, for the end of the calendar year |
| Vivao Sympany |
1 year |
3 months, for the end of the calendar year |
| Wincare |
1 year |
3 months, for the end of the calendar year |
| Xundheit |
1 year |
3 months, for the end of the calendar year |
