The displayed premium is incorrect!
If the displayed premium does not correspond to what you are currently paying for basic insurance, this may be because you have:
- a different deductible,
- other/additional accident coverage,
- another insurance model (e.g. standard basic insurance, family doctor, HMO, etc.),
- a premium from which the premium reduction has already been deducted, or
- a premium from which the environmental incentive tax has already been deducted.
There could also be a mistake, of course. If none of the above possibilities apply, we would be happy to investigate further. For this we need the following information:
- your place of residence (postcode and town),
- your year of birth,
- your current health insurance provider,
- your insurance model,
- the selected deductible,
- whether you require accident coverage or not,
- and the discrepant premium.
Thank you for your assistance!
Can I change my deductible if I have a medical condition?
You can easily lower or raise your deductible with effect from the end of the year:Lowering the deductible:
The health insurer must be notified in writing of the desired lower deductible by 30 November or by the last working day in November (the day the insurance company receives the letter is relevant).Raising the deductible:
The health insurer must be notified of the desired higher deductible by 31 December or by the last working day in December.
Do I have to answer questions about my state of health when buying basic insurance?
No! Every insurance provider is obliged to accept you for compulsory basic insurance without reservations, regardless of your age and state of health. Only fill in the health questionnaire if you want to buy supplemental insurance.
Do I have to answer questions about my state of health for supplemental insurance?
Yes, you are required to answer questions about your state of health for supplemental insurance. You usually have to declare your medical conditions and treatments of the last five years.
The questions and their number differ from one health insurer to the next. We can't tell you if there are insurers that ask fewer questions about your health than others.
It is advisable to answer the health questions truthfully since your insurer may also impose sanctions retrospectively. The possible measures range from the exclusion of claims regarding a certain medical condition to the cancellation of the policy. If claims for a medical condition are excluded, the supplemental insurance does not cover any treatment in connection with this disease. Detailed information is listed in the insurance terms and conditions of the supplemental insurance policy.
What kind of coverage does basic insurance provide abroad?
Only emergency treatment is covered abroad. Basic health insurance will only pay up to twice the amount the same treatment would have cost in Switzerland. This is sufficient for travel within Europe, but for certain overseas areas – notably in the USA, Canada, Australia, New Zealand and Japan – it is highly recommended to buy additional insurance.
Holders of Swiss insurance requiring emergency treatment in an EU or EFTA country
A local health insurance provider will cover costs according to the agreed tariffs and policyholders will pay the usual out-of-pocket costs for that area. The foreign insurer concerned will then invoice these costs to your Swiss insurance company via a central office in Switzerland.
As of the beginning of 2006, all policyholders in Switzerland have a health insurance card, which makes the E111 form superfluous. The credit card-sized insurance card contains administrative details, such as name, gender, date of birth, insurance provider and insurance number.
Tip: If necessary, buy adequate supplemental health insurance or separate holiday and travel insurance.
Out-of-pocket expenses in case of maternity?
If there are no pregnancy complications, no out-of-pocket payment is required. Basic insurance benefits are clearly set out in the Health Insurance Act (KVG). These include antenatal classes, check-ups, delivery and breastfeeding support.
Up until now, pregnant women who experienced complications had to pay part of the treatment expenses out of pocket because they went under the category of illness. Such treatment included, for example, hospitalisation to avoid premature birth, treatment of gestational diabetes and infections or psychotherapy due to post-natal depression.
With effect from 1 March 2014 a legislative amendment will enter into force according to which women will no longer be required to contribute to costs in the event of complications from the 13th week of pregnancy until 8 weeks after birth.
When do I have to give notice of cancellation?
Basic health insurance
To cancel for 31 December, the cancellation letter (by registered mail) must reach the current health insurance provider by 30 November or the last working day of November, respectively. This cancellation deadline is irrespective of whether the new premium is higher, lower or remains the same.
To cancel for 30 June, the cancellation letter (by registered mail) must reach the current health insurance provider by 31 March or the last working day of March, respectively. This applies only for policyholders with a deductible of CHF 300 (children: CHF 0) and a standard basic insurance policy (no alternative insurance models such as HMO or Telmed). In all other cases, changing to a new insurance provider is possible only for the end of the calendar year.
Click here for a prepared cancellation letter.
Supplemental health insuranceIf premiums rise:
The provisions stated in the insurance conditions apply (e.g. one month from notification of higher premiums or per year end).
For unchanged premiums:
- Terminate your current supplemental insurance only after having received confirmation of unconditional acceptance from your new health insurance provider. Otherwise it is recommended to cancel only the basic insurance policy.
- Health insurance providers can 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 be covered for treatment for an illness addressed in the qualification.
- Answer the questions in the application form accurately and completely.
- 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.
What benefits do the individual providers offer?
The benefits and coverage of mandatory basic insurance are required by law and consistent among all providers. Here you can find an overview of benefits. At comparis.ch, you can not only find information on premiums, but also on customer satisfaction with the individual insurance providers.
Unlike with basic insurance, benefits of supplemental insurance vary depending on the provider.
Do I need health insurance during military service?
This depends on the length of service.
In Art. 3 Para. 4 of the Federal Health Insurance Act (KVG), it says: "Persons who are subject to the Federal Act of 19 June 1992 on Military Insurance (MVG) for more than 60 consecutive days are suspended from mandatory health insurance." This means that you don't have to pay premiums for mandatory basic insurance when serving for longer periods of time. You only need to send your health insurance provider proof of the length of your military service (submit a copy of your marching orders).
The Health Insurance Act (KVG) regulates what benefits (also what maternity benefits) every health insurance provider has to include in mandatory basic insurance. The provisions for maternity benefits are set out in Article 29 of the Health Insurance Act as follows:
Art. 29 Maternity
1 Mandatory health insurance covers the costs of the same benefits as in the event of illness and special benefits for maternity.
2 These benefits include:
a. periodic check-ups carried out by a doctor or a midwife or prescribed by a doctor during and after pregnancy;
b. delivery at home, in a hospital or in a day-care establishment as well as assistance at birth performed by a doctor or a midwife;
c. necessary breastfeeding advice.
Since all health insurance providers reimburse exactly the same benefits anyway, you can safely switch to a cheaper provider, even during pregnancy. That leaves you with more money to spend on yourself or on baby equipment. At comparis.ch, you can not only find information on premiums, but also on the customer satisfaction with the individual insurance providers.
Tip: Often it is not obvious to the health insurance company whether expenses are due to a pregnancy. Therefore, ask your doctor to point this out on the relevant invoices.
For supplemental insurance, the benefits and provisions set out in the insurance conditions apply. Please note that there is a qualifying period for maternity benefits after buying such insurance.
Which providers are included in the comparison? Where can I request quotes?
The basic insurance comparison lists the premiums of all health insurance providers. You can see all premiums if you select the full view under "Display of results".
You can request a quote online from those providers who offer this service in collaboration with comparis.ch. With some providers, this is not possible, for example, because they are not interested in acquiring new customers or use other sales channels or do not have the necessary technical infrastructure to enable online quotation and thus simplify their processes.
I have yet to buy Swiss insurance...
This is where you can find information about:
Administrative fees in case of separate basic and supplemental insurance
You can buy basic insurance and supplemental insurance from different providers. Health insurers are no longer allowed to cancel supplemental insurance policies if holders switch to another provider for basic insurance. Some providers charge an additional fee for higher administrative expenses for supplemental insurance in such cases. If you do not pay this fee, you lose any discounts you may have (family discount, collective discount). Although this is admissible, only few providers do it.
comparis.ch recommends choosing an affordable provider at least for basic insurance since the benefits are the same everywhere. Therefore the choice of basic insurance provider should mainly be determined by the premiums offered. At comparis.ch, you can find not only information on premiums, but also on the customer satisfaction with the individual insurance providers.
Here's what to do if you wish to buy basic and supplemental health insurance from different providers:
- Before sending your medical bills, make copies for future reference.
- Send the bills to your provider of basic health insurance. Inform the insurer that you have supplemental health insurance from another provider. Your basic health insurer will check the bill and send you a settlement.
- Then you can send this statement along with a copy of the medical bill to your provider of supplemental health insurance.
Sometimes you may receive two original invoices to forward to each provider.