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Old 07.02.2012, 16:00
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Medical Insurance Mess UP

I have got myself in a mess with medical insurance having changed jobs. I find myself paying two companies each month as I did not cancel one in time.
Does anyone know if I am able to cancel one policy so as not to be paying out twice.
Insurance companies are not forthcoming with the information!

Thanks
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Old 07.02.2012, 16:16
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Re: Medical Insurance Mess UP

Standard for CH to my knowledge is you can change insurance companies for basic insurance if you file termination letter by November end. But for supplementary insurance, they normally have a minimum period of 1 year.
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Old 07.02.2012, 16:18
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Re: Medical Insurance Mess UP

You are only allowed to have one basic health insurance policy. The first company needs to inform the second company that you are still insured with them. After that you can claim your payments back from the second company. If you stop paying either of them you will incur extra charges.

If you want to change health insurance, you need to resign the first company before the 29th November 2012. They must have your resignation letter before the end of November 2012.

http://en.comparis.ch/krankenkassen/...q/default.aspx

When do I have to give notice of termination?

basic insurance
Termination deadlines for changing insurance companies:

For termination as of December 31 , the termination letter (registered letter) must reach the former health insurance by November 30 or the last working day of November, respectively. This is the final deadline, no matter if your new premium is higher, lower or remains unchanged.

For termination as of June 30 , the termination letter (registered letter) must reach the health insurance by March 31 or the last working day of March, respectively. This only applies to policyholders with a deductible rate of CHF 300 (children: CHF 0) and a standard basic insurance (no alternative insurance models such as e.g. HMO or Telmed). In all other cases a switch to is only possible for the end of a legal year.

Click here for a prepared termination letter:
Basic health insurance (Word) http://en.comparis.ch/Krankenkassen/...rief_GV_en.doc

If you have a bonus insurance with your current insurer:
You may only terminate 5 years after contract conclusion for the end of the calendar year and must give three months‘ notice. However, should premiums rise, notice of termination must only be given one month in advance if the contract is over five years of age.
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