Switch health insurer before 30 November: the guide in 5 steps
You have until 30 November to switch basic insurance for 1 January 2027. It's simple, free, and the new insurer is not allowed to refuse you. Here's how to do it stress-free.
1. Wait for your new premium
Your insurer must send you your 2027 premium by the end of October at the latest. That's what lets you compare.
2. Compare
Use the express comparison or your municipality's page. Compare the deductible and the model too: that's often where the biggest savings hide.
3. Sign up with the new insurer
For basic insurance, the insurer must accept you, with no health questionnaire. Do it before cancelling, so you're never left uninsured.
4. Cancel in time
Your letter must be received by your old insurer by 30 November at the latest. Send it by registered mail a few days before. Careful: if you haven't paid all your premiums, the insurer can block the switch.
5. Keep your supplementary policies (if needed)
Supplementary insurance policies are separate contracts. You can switch insurer for basic cover and keep your supplementary policies elsewhere. However, a new supplementary insurer may ask for a health questionnaire: never cancel the old one before getting written acceptance from the new one.
What about the deductible?
You can also change your deductible for next year. Generally, to move to a lower deductible you must notify by 30 November; for a higher one, by 31 December. Check your insurer's conditions.
See the cancellation letter template
Published on 07.10.2026 · Tigre Assurance
Frequently asked questions
Until when can I switch health insurer for 2027?
Your cancellation letter must be received by your insurer by 30 November 2026 at the latest for a switch on 1 January 2027.
Can an insurer refuse to insure me?
No, not for basic insurance (LAMal). For supplementary insurance, the insurer can refuse or add exclusions after a health questionnaire.