Switching health insurer, step by step
Switching basic insurance is simple and risk-free: the new insurer must accept you and your benefits stay the same. You just need to meet the deadlines.
Updated on 23.09.2026 · Official sources cited
The steps
- 1. Wait for your insurer's letter with the new premium (by the end of October at the latest).
- 2. Compare premiums for your municipality, deductible and model.
- 3. Apply to join the new insurer.
- 4. Send your cancellation to your current insurer by registered mail: it must be received by 30 November at the latest.
- 5. The switch takes effect on 1 January.
Switching mid-year
With the 300 CHF deductible and the standard model, you can also switch on 30 June: the cancellation must be received by 31 March at the latest.
The traps
- It's the date of receipt that counts, not the sending date.
- If unpaid premiums are subject to debt collection, the switch is blocked until payment.
- Don't cancel your supplementary policies at the same time without having been accepted elsewhere.