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Old 25.11.2015, 18:52
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Must supplementary health insurance be applied for before January?

I have been living in Switzerland for 2 1/2 years and have never had supplementary health insurance. I am considering it now and so was wondering if I need to apply before January or can I do it in the new year like in February or March?

Thanks so much.
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Old 25.11.2015, 19:03
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Re: Must supplementary health insurance be applied for before January?

No they'll always happily sell you more and pro-rata the premium.

It's only cancellation that has to be sent registered three months in advance written in your own blood.
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Old 14.12.2015, 16:20
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Re: Must supplementary health insurance be applied for before January?

So, did this turn out to be true? Were you able to do this?

Someone in my office wants to go from basic with 2500 franchise and upgrade it and has just told me she's been advised she can't make ANY changes to her policy at all except on the particular dates. That sounds to me like the cancellation rules.

So, just wondering how you made out with this. I too thought should be no problem to pay more money anytime!
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Old 14.12.2015, 16:26
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Re: Must supplementary health insurance be applied for before January?

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So, did this turn out to be true? Were you able to do this?

Someone in my office wants to go from basic with 2500 franchise and upgrade it and has just told me she's been advised she can't make ANY changes to her policy at all except on the particular dates. That sounds to me like the cancellation rules.

So, just wondering how you made out with this. I too thought should be no problem to pay more money anytime!
She possibly can't change her basic insurance franchise during the insurance period and certainly not the company.

I have changed my basic insurance plan... from Telmed to Hausartz mid-year, with no problem. You can add on supplementary insurance at any time, with any company, as this doesn't affect your basic insurance which stays the same.
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Old 14.12.2015, 16:32
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Re: Must supplementary health insurance be applied for before January?

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So, did this turn out to be true? Were you able to do this?

Someone in my office wants to go from basic with 2500 franchise and upgrade it and has just told me she's been advised she can't make ANY changes to her policy at all except on the particular dates. That sounds to me like the cancellation rules.

So, just wondering how you made out with this. I too thought should be no problem to pay more money anytime!
Well I haven't added anything yet, but CSS confirmed that I can add supplementary insurance at any time, so Jan, Feb, etc. is not a problem.
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Old 14.12.2015, 16:34
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Re: Must supplementary health insurance be applied for before January?

That of course only once they have ascertained your state of health and that you have no pre-existing conditions that will require fixing sooner or later.
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Old 14.12.2015, 16:35
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Re: Must supplementary health insurance be applied for before January?

Ah, thanks.

Indeed, that's what she wants to do.

She wants to reduce the franchise down to the smallest and possibly add supplementary, but it's the franchise reduction she's primarily after bringing down and is worried she now has to wait a whole year to do it.
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Old 14.12.2015, 16:38
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Re: Must supplementary health insurance be applied for before January?

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She wants to reduce the franchise down to the smallest
Yep, think she'll have to wait a year to do that. She can change her plan to a more expensive one i.e. Standard Plan if on Hausartz and add supplementary if accepted for it.... but franchise can't be changed mid-contract.
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Old 14.12.2015, 16:38
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Re: Must supplementary health insurance be applied for before January?

Thanks all for the replies.

I've now realized what I'm asking is not, adding supplementary but actually "is it possible to reduce the franchise, mid-term"?

I'll post a new thread on it to see if anyone else has done it (can't find it in search)
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Old 14.12.2015, 16:41
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Re: Must supplementary health insurance be applied for before January?

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Ah, thanks.

Indeed, that's what she wants to do.

She wants to reduce the franchise down to the smallest and possibly add supplementary, but it's the franchise reduction she's primarily after bringing down and is worried she now has to wait a whole year to do it.
You can increase the franchise later ( up to end January I believe and possibly mid year too) but if you want to decrease it you have to inform them in writing (recorded delivery letter or signed copy if delivered personally) before 30 th November of the year before the change is to become effective.

You can take out supplementary cover at any time subject to their agreement after filling in the health questionnaire.
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Old 14.12.2015, 19:29
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Re: Must supplementary health insurance be applied for before January?

Hi guys

what is right now the chepeast health insurance if one is end-twenties and male?

I heard CSS telmed or Assura, is that right?
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Old 14.12.2015, 19:35
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Re: Must supplementary health insurance be applied for before January?

You need to study your situation, there is no easy answer. Very cheap companies are very slow to pay up, or answer the phone!

https://en.comparis.ch/krankenkassen/default.aspx
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