Toward the end of the calendar year at the latest, the topic of switching health insurance provider comes up in many households. Health insurers publish their premiums and start trying to attract new customers. No matter which health insurance company you’re with, terminating and switching your basic insurance can help you save money.
Compare your basic insurance premiums now on our free platform and find out how much you can save per year.
Sounds good? It gets even better: When you take out supplementary health insurance from AXA, we switch your basic insurance for you.
With AXA’s switching service you can choose your new basic insurance with just a few clicks. We take care of terminating your cover and switching for you. This way, you save up to CHF 500 each year.
Would you like to terminate your basic insurance and switch to a cheaper provider? The service we offer when you take out AXA supplementary insurance makes switching your basic insurance child’s play.
All basic insurance in Switzerland offers the same benefits. So compare the premiums for the models that suit you.
Choose the basic insurance that suits you best. Whether it’s the cheapest, the most customer-friendly, or the most local.
Yes, that’s right – you didn’t misread that. From this point on, you can just sit back and relax. We terminate and switch your basic insurance for you.
Yes, basic insurance – or more precisely mandatory healthcare insurance (OKP) – is compulsory for persons who are resident in Switzerland. So if you decide to terminate your current health insurance, you must register with a new health insurance provider by the end of the year at the latest.
The benefits offered under mandatory health insurance are prescribed by law, which means they are the same no matter who you are insured with. The main differences relate to premiums and how long insurers take to reimburse you for your healthcare costs. Health insurance companies also offer different models, which differ in their provisions. Regularly keeping up to date on these points and looking into switching can allow you to make annual savings.
Insurance companies are relatively free in the choice and structuring of their models. This means there is a correspondingly large number of models. Which model you choose will depend on whether you prefer a lower premium or greater freedom of choice. You can switch model every January 1.
The most common models are:
Under the standard model (also called the traditional model), you are free to choose any doctor you like, but you pay the highest premium. This model is offered with the same benefits by all mandatory basic insurers.
General practitioner model
As the name suggests, under the general practitioner model, you first contact your general practitioner’s office. Exceptions to this rule are gynecological preventive examinations, eye doctor checkups, and emergencies.
This is the model most frequently chosen by insured persons in Switzerland.
An HMO practice consists of physicians, specialists, general practitioners, and therapists who provide medical treatment. Those insured under this model contact their HMO practice first, but benefit from lower premiums.
Under the Telmed model, your first point of contact is the telephone consultation hotline of your statutory health insurance provider. If necessary, they will refer you to a doctor’s office or a hospital. The Telmed model is one of the most affordable health insurance models.
Compare the premiums of your current health insurance provider with other providers. Check alternative insurance models and the potential savings you could make with a higher “franchise”, or excess. This way you’ll find out which is the most reasonable option for you. After that, what you need to do is find out what period of notice you need to give, terminate your existing insurance, and register with the new provider.
You can terminate your basic insurance by giving one month’s notice to the end of the calendar year. It’s sometimes possible to cancel to the end of June, but that’s unusual. Switching is easy because the new health insurance provider cannot reject you based on your medical history. You should note, though, that in order to switch, you need to have paid all outstanding bills.
No, you don’t. In fact, having basic and supplementary insurance with different providers has advantages. It means you can opt for inexpensive basic insurance and take out supplementary insurance cover tailored to your needs.
A tip: If you plan to switch your basic insurance regularly to save money, it’s worth taking out basic and supplementary insurance with different providers. This saves you the annual bother of comparing benefits and you only have to pay attention to one termination date.
The ordinary excess defines how much of your healthcare costs you pay yourself. As an adult you have six options ranging from CHF 300 to CHF 2,500. The higher your excess, the lower your insurance premium and vice versa. A tip: Choose either the highest excess or the lowest. You can change your excess at the end of each year.
Do you have questions about the excess?
All basic insurance companies announce their new premiums at the beginning of October. You have until the termination notice date at the end of November to switch. Important: statutory health insurance insurance is mandatory in Switzerland. You must register with a new insurance company by the end of the year at the latest.
Don’t forget that notice of termination must be received by your current health insurance company in time.
Here, you need to distinguish between basic insurance and supplementary insurance. For basic insurance, you have a period of notice of one month to the end of the calendar year. So your notice needs to be received by the end of November.
Most supplementary insurance comes with a period of notice of three months, also to the end of the calendar year. You need to have notified your supplementary insurance provider of the termination by the end of September.
Would you like to have more information on our General Insurance Conditions and other provisions relating to the basic insurance switching service? Attached you will find a list of all the contractual provisions that apply.