30.06.2007, 18:18
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 | Senior Member | | Join Date: Aug 2006 Location: La Tour-de-Peilz (inbetween Ve
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| Re: Health Insurance FAQs
| Quote: | |  | | | How do I change insurers/terminate my existing policy?
If you leave Switzerland and have evidence that you have deregistered with your local government office then you may terminate a policy at any time. If you merely want to change your policy then there are only certain dates in the year when you may change. If there have been no changes to the cost in your policy then you will have to give 3 months notice for leaving at the appropriate time (December/June). This means that you will have to have given notice in writing by the end of September or March. If the company has increased costs then you need give only one month's notice and must cancel in writing by the end of November. There are sample letters on the above link.
Please note that if you have light, GP or HMO model you may only change providers at the end of the calender year in December.
If you have supplementary insurance then it is worth ensuring that you have been accepted by an alternative company before terminating your agreement with your existing provider.
It would be sensible to discuss the arrangements for terminating different policies during your search for a provider. These are merely broad guidelines. You can read additional important information on this subject here [comparis.ch]. | | | | | This is almost right…. For BASIC insurance : - If you have a « franchise ordinaire » (ordinary deductible – i.e. 300.- for adults, 0.- for children) then you can change companies twice a year but only by giving a 3 month notice period. i.e. your insurance company must receive a registered letter by the 30th of March for the 1st of July or the 30th of September for the 1st of January. - When you receive your new policy by the end of October (all companies have to send it to you by law by the 31st of October) then you have the right to change for the 1st of January as long as they receive the letter by the 30th of November. You can do this even if they haven’t changed the price or have reduced the price ! For COMPLEMENTARY/SUPPLEMENTARY insurance : - You can add on complementary/supplementary insurance whenever you like for the 1st of the following month. - You can only cancel this insurance once a year (for the end of the year) - Most companies require 3 months notice i.e. they must receive the letter by the 30th of September, however some companies require 6 months and must receive the letter by the 30th of June. - Once you have taken out complementary insurance, there is a period for which you have to keep it. For most companies this is 1 year, however, there are companies who require that you stay with them for 5 years (e.g. All 14 companies under the Groupe Mutuel ; Assura ; Supra etc.) These are usually the same companies who ask for a 6 month notice period. Hope this helps !
Jenny   |